The Five Most Common Home Insurance Liability Claims
The Five Most Common Home Insurance Liability Claims
Often when insurance agents talk about homeowners insurance, the clients eyes will begin to glaze over as if in a trance. When specific features like liability insurance are delved into, those glazed eyes may be accompanied by audible snoring. Let’s face it, talk of homeowners insurance and liability coverage probably won’t get you that second date. That doesn’t mean it is not important, however. Especially when you consider how important homeowners insurance is on a practical level.
Everyday, the liability coverage of someone’s homeowner’s insurance saves their bacon. Here are five of the most common liability claims homeowners face.
Injuries to Domestic Workers
You may not have a maid or butler but you may pay to have your lawn mowed or dog walked. If the people who work for you, even on a contract basis, are injured in their duties or while on your property you could be upriver without a paddle. That is unless you have sufficient liability coverage.
If an Intoxicated Guestย Harms Someone or Causes Damage
Are you aware you could be on the hook if a guest who get intoxicated at a party at your home leaves and harms himself or others? That’s kind of a frightening thought, isn’t it? Liability insurance can cover you from the financial damage resulting from any such claims.
Dog Bites
Dog bites are one of the most frequent causes of liability claims against a homeowner. Sure, Pixie may never have bitten anyone before, but it may still not matter. If she is known as a biter it could make matters worse. Your homeowners’ liability insurance is thereย to help.
Accidents
Are you aware that if someone falls and injures him or herself while on your property, even if uninvited, you can be held responsibile. When you include people you do invite like the pizza, food or package delivery guy, you may be facing risks almost daily. Check your homeowners’ insurance to make sure you have sufficient liability coverage.
Falling Trees
Falling trees, especially if you are aware they may be decaying or otherwise a problem, can be a significant liability issue. Should a storm cause them to fall on a neighbors car or home, you could be held responsible.
For some reason, people seem to be more interested in their homeowners liability coverage following a claim. Unfortunately it may then beย too late to make any adjustments. That’s why now is the time to contact our independent insurance agents for a homeowners insurance review.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
Flappers, Flights & Fizzy Fridays: The Roaring Twenties You Never Knew
Dive into the 1920s beyond the speakeasies! Explore the decade’s social shifts, technological marvels, and surprising connections to modern times.
Bundle Up and Save! The Ins and Outs of Business Insurance
Unsure about business insurance? Don’t be! Learn how bundling different coverages protects your company and puts money back in your pocket.
Life Insurance Myths Busted: Unveiling the Simple Truths Behind Financial Security
Considering life insurance but confused by the myths? We clear the air on common misconceptions and show you how to get simple, affordable coverage.
Buckle Up for Savings: How Car Safety Ratings Save You Money
Crash Test Your Cash Flow: How Car Safety Ratings Impact Insurance Rates
Pool Paradise or Premium Pain? The Splashing Truth About Pool Insurance
Dive into Savings: How Pools Affect Homeowners Insurance (and How to Stay Afloat)
Lights, Camera, Action! Exploring the Real-World Locations of Your Favorite Films
Exploring the Real-World Locations of Your Favorite Films
From PJs to Productivity: Mastering the Work-From-Home Hustle
Ditch the Commute, Keep the Cash: Working From Home Hacks for Peak Performance
The Farewell Financial: Planning a Peaceful Goodbye
Beyond Goodbyes: A Guide to Navigating Funeral Costs and Life Insurance
From Death Traps to Death Beaters: How Cars Became Surprisingly Safe
Buckle Up and Breathe Easy: Unveiling the Hidden Heroes of Car Safety
Cracking the Condo Code: Your Guide to Condo Insurance
Condo Confusion Conquered! A Guide to Condo Insurance Coverage