Do I Need Legal Assistance When Getting Home Insurance?

Does your home insurance include legal assistance?

Would you prefer to choose your own lawyer?

Is legal assistance a requirement in your county or state?

Do you want what legal assistance cover gives you?

Is your home insurance legal protection the same as liability cover?

Have you faced legal issues in the past?

Many home insurance policies cover a wide range of incidents including fire, burglar, or if it has sustained damages from any other event such as storms, hail, rain, floods, earthquakes, forest fires, and any other natural calamity. Some insurance also covers legal assistance that will cover the expenses you incur due to any legal case or proceeding that you undertake to protect your home.

Home insurance legal protection cover will only take care of all the lawyer fees and other legal proceedings such as court fees. But remember, you won't be able to choose your own lawyer and may have to go with the lawyer given by the insurance company. So, if you have a family lawyer or someone whom you would want to represent you, the legal assistance cover may not give you this option.

Most counties or states do not insist on adding legal assistance cover to your home insurance, so you can decide based on other factors. That said, it merits to check if this is a requirement in your local county, and if so, make it a point to add it to your home insurance, so you don't end up paying any fines.

The legal assistance cover offered by different home insurance companies may vary. In general, this cover will cover legal expenses for property disputes, any legal defence against your property, legal advice if a tradesperson has done poor work in your home, tax investigations against your property, and any other event that may warrant you to go to the courthouse to protect your property. Before you pay extra for legal cover, make sure you check what exactly it covers, so you can decide if you need it or not.

They are always two different things. The legal cover will only cover the legal expenses around a claim while liability cover will handle the expenses that occur if someone is injured on your property. So, if your insurance tries to cover the two, stay away from this cover.

If you don't have a history of legal problems and don't anticipate one in the near future, you don't need legal assistance cover on your home insurance. Most people don't ever go to court to protect their property, so the chances for you to go to court is also fairly less. In all, if you don't anticipate going to the court, you may not need legal assistance.

If that is the case, go for the legal assistance cover because lawyer fees tend to be exorbitant, and this can greatly reduce your financial burden in legal cases.