A personal insurance update
Many of us are heading off to the gym today. Have you ever wondered who pays your medical bills if you are injured while working out? In a recent court case, the court ruled that a woman’s injuries at the gym were not covered by her homeowner’s insurance policy. The injured woman argued that, “Among other things, that the policy provided a safe-harbor for business activity where the insured earned less than $2,000 in the previous year.” She also contended that the definition of business in the policy was ambiguous.” PC 360.com
The injured woman might have looked to her health insurance, although she may have had a high deductible.
This leads us to think that it might be good to review some of the things that are not covered under a standard homeowner’s insurance policy.
Things not generally covered under a homeowner’s insurance policy
· Sewer back-up
· Termite infestation
· Wear and tear
· Construction work damage
· Dog attacks—many breads are excluded
· Renting out your home for a fee
Worthington Insurance specializing in competitive auto, home, contractor and business insurance as well as insurance in Philadelphia, Yardley, Morrisville, Langhorne, Newtown, Bensalem, Levittown, Bucks County and surrounding areas in Pennsylvania and New Jersey