Most people think the biggest risk to their home is a fire or
a bad storm. It’s why they buy insurance
(and the fact it’s required by their mortgage lender).
But in reality, the biggest concern is protecting your assets
from a liability claim. Consider this...
Warm weather has arrived and everyone is beginning their yard
work. Mowing, planting
flowers, and digging those vegetable gardens. There is a lot
of work to be done.
So let's say that you dig a large hole in the front yard so
you can plant a new tree. You
walk away for a moment and while you're gone the kid next
door runs through the yard,
falls in the hole, and breaks his ankle.
Unfortunately, you could be held responsible for his injury.
But not to worry, your homeowner's liability insurance is made for these kind
of situations. It will pay if someone is injured on your property. It's also
the coverage that protects you if the dog bites your child's friend (as long as
it's not a restricted breed) or if your cousin falls down your front steps.
If you have a large number of assets, then you'll want higher
liability coverage. If the
injury exceeds your liability coverage amount, then you could
be sued for the difference.
Work with us to determine the amount of coverage that you are
comfortable
carrying.
No one can protect themselves by just being careful alone.
There are too many
possible scenarios that you could never avoid. But with the
right insurance coverage,
you'll never have to worry.
Call us today for a free review and to discuss how much
liability coverage you need.
