Home Insurance Covers More Than Property

For many people, house insurance is primarily concerned with safeguarding their home and personal items from injury or loss. The liability portion of home insurance is typically given less thought. This might be related to the misconception that 

only some visitors sue their hosts. However, numerous plausible possibilities might happen to anybody. Here are three examples. 

A Dog Bite 

Our pets are held to high standards. We want them to be loving pets with our family, friends, and visitors while also protecting us from or discouraging intruders and thieves. Making such differences between individuals is asking many of our canine pals, and sometimes a visitor or neighbor is attacked. It is fairly uncommon to be sued or requested to pay medical bills if the bite is serious (particularly if the victim is a youngster). 

Falls and Slips 

Slips and falls are among the most prevalent types of home injuries. Although slips and falls are more common among homeowners due to their time in their homes, they may also occur among visitors. Bathrooms, staircases, any location with loose carpets, wet or slippery roads, and bedrooms with toys scattered on the flooring are all sites where this sort of disaster happens. While a house should be well-kept and maintained, it is also where life occurs. Thus it is hard to remove all potential risks when a visitor visits. 

Yard Mishaps 

While looking at the negative side of things isn’t ideal, accidents can happen. A swing set, often associated with cheerful, carefree youngsters, maybe the location of an accident to a neighbor’s kid. The same may be said for trampolines and swimming pools. Even the towering tree you like might fall on the neighbor’s vehicle during a windstorm. You might be held accountable whether the automobile was parked in your driveway or the neighbors. 

The above is a partial list of the liability concerns that homeowners face. However, it should persuade most people that the danger exists. Insurance is a financial safeguard against danger. If you haven’t already, give your house insurance policy’s liability section another look. Request that your independent insurance agent evaluate it with you to verify that you have enough coverage. Get the protection your family needs.