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During your daily routine at home, you probably don’t think much about the various potential liabilities you are responsible for within the very same building that you and your family rely on for comfort and shelter. But there are many incidents that could happen to others within your home that would result in medical bills and damages and that you, as the homeowner, could be liable for. These incidents could take money out of your savings, retirement fund and college savings plans unless you have the proper insurance to cover them.

Home InsurancePotential Liabilities

Here is an idea of what these potential liabilities could consist of.

  1. Indoor injuries: If a guest or visitor to your home is injured while on the premises by trip and fall over a loose floor tile or rampant toy, you could be liable for both damages and medical expenses.  The costs of these expenses could be extremely high and may even include recompense for loss of work.
  2. Miscellaneous injuries: Visitors to your home could be injured around or in your pool, in your yard or garden, within your storage shed or even by your dog. In fact, your dog could bite a neighbor who isn’t even on your property. Like the other incidents we mentioned, this would fall under a homeowner’s liability.
  3. Property damage: If one of your children throws a ball through a neighbor’s window or if one of your trees or tree limbs falls on a neighbor or visitor’s car, you could be liable for repair, replacement, loss of use and other damages.

Accidents within your home can happen any time—whether you’re throwing a party, having friends over for dinner, showing your home to a neighbor or potential buyer, or even entertaining out-of-town relatives. Homeowners liability coverage is designed to protect you against the financial exposure brought on by these liabilities that, whether you know it or not, are a constant part of your life. The benefits of liability insurance can extend well past the inside of your home and protect you from offsite incidents as well.

There is no reason not to have appropriate liability coverage for your home. Doing so not only protects your family but also ensures that anyone injured on your premises or suffering damages as a result of your family, property or pets will get the medical treatment and funds for damages that they deserve.



Make sure you're covered by your own Newtown Home Insurance with us today!

Posted 2:37 PM  View Comments

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