How a Homeowners Policy can Protect You

One of the benefits of owning your own home is the traditional family get-together. Time spent with friends and family is what brings us close to one another and is what memories are made of ... at least until there is an accident or injury. Then your long lost cousin suddenly remembers a distant uncle is an attorney and before you know it you have a pending lawsuit on your hands. Wow—wasn't that an expensive barbecue!

Many people don't realize part of their homeowners insurance policy goes toward liability. In fact, liability coverage is one of the most important parts of your homeowners insurance policy should an unfortunate accident or injury take place on your property.

Things that may be covered by your homeowners insurance:

  • Slips and falls. Accidental injuries that take place on your property can include many unexpected events including a slip or fall by a guest or visitor.
  • Dog bites. Even the most well behaved pet may occasionally "act up" or nip. Be sure you are covered should an incident take place.

Things that are probably not covered by your homeowners insurance:

  • Deliberate actions. Intentional actions that result in a loss or claim are typically not covered by any insurance policy.
  • Known hazards and risks. Failure to take reasonable precaution to repair, correct or fix a situation that could result in injury or loss is typically not covered by insurance. Always keep your property in good condition and take care of potential hazards immediately.


The above-listed tips are for informational use only. Refer to your insurance policy contract for specific information regarding your coverages and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.