Liability Insurance: What Snowbirds Must Know
Liability insurance pays for injuries and property damage you cause to others in an accident — it does not cover your own vehicle or medical bills.
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What Is Liability Insurance Insurance?
Liability insurance has two components: bodily injury liability covers medical expenses, lost wages, and legal fees when you injure someone in an accident you cause. Property damage liability pays to repair or replace another person's vehicle or property you damage. Your policy pays up to your selected limit, and you are personally responsible for any amount above that limit.
Who Needs Liability Insurance Insurance?
Liability insurance is legally required in every state and essential for any snowbird who owns property in two states or has retirement savings to protect.
Calculate your total exposed assets: real estate equity in both states, savings accounts, non-exempt retirement funds, and vehicles. Your liability limits should equal or exceed that amount. If you spend more than six months per year in your winter state, confirm whether that state's law considers you a resident for insurance and registration purposes — this varies by state and affects which policy applies during a claim.
How Much Does Liability Insurance Insurance Cost?
- Whether you bundle with homeowners coverage in both states — some carriers offer multi-state discounts if you insure your primary home and winter property with the same company
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