Comprehensive Personal Liability

 

 

This coverage from an "A++" rated carrier is primary for the insured or tenant occupied one, two, three or four family dwellings.

Ineligible Comprehensive Personal Liability

Please note we cannot offer coverage to the following:

  • Farms

  • Individuals convicted of a felony

  • Houseboats

  • Leased to others for purposes of fishing, hunting or other recreational activities

  • Dwellings used as a model home for new construction

  • Student or subsidized housing

  • Assisted living or group home facilities except for assisted living apartments with single occupancy or husband and wife

  • Vacant land with a dock

  • Corporations that have activities outside of residential real estate investment

  • NBA or NFL athletes in their rookie season

  • Artists performing controversial lyrics

  • Located in AK, LA or WV

Available Coverage for Comprehensive Personal Liability

  • Up to $1,000,000 for all risks

  • Personal injury included up to the liability limit

  • $5,000 of medical payments included on all risks

  

 

Claim Example for Comprehensive Personal Liability

Slip & Fall: An insured invited a friend to their home. The friend slipped and fell in the driveway and injured his shoulder. Our policy paid $150,000 for the injury.

 

Wrongful Eviction: An insured had a rental property and gave his tenants a 60 day notice to move out because the insured intended to occupy the property himself. The insured did not occupy the property within 90 days, as required by law, and was sued for $20,000 for wrongful eviction.

Dog Bite: An insured was walking his dog on a leash. A child ran out of his house and toward the dog. The dog lunged at the child and bit him on the face. $60,000 was paid

Leaky Ceiling: Heavy rain caused a drain pipe to clog at the to the claimant for medical bills.

Party Time: An insured hosted a party at her house. A guest, who had been drinking, left the insured’s party and drove home. The guest drifted into the opposite lane of traffic and hit the claimant’s vehicle head on, causing a fatality. The host of the party (the insured) was sued for $1,000,000. insured’s condo. The water overflowed causing damage to the unit below. Our policy paid $12,000 in damages to the below condo unit.

You must be an appointed USASIA Insurance Services retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with USASIA. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your USASIA representative.

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