Umbrella Insurance For Homeowners

Planning a party? It might be a good idea to purchase an umbrella insurance policy before sending out the invitations. Nobody likes to think their friends, family or neighbors will sue you but the reality is it happens more frequently than you might expect.

Here are just a few examples of situations that could result in lawsuits against homeowners:

  • Parties where alcohol is served and the guest is in an auto accident after leaving the party. Yes—you really could be sued. Even if your friend doesn't sue you the person he or she injures might.
  • Slips, falls, or other types of accidents. A lot of accidents where someone slips and falls occur in the winter when the weather is harsh and the ground is wet. In many cities or towns the residents are often responsible for clearing the sidewalk in front of their homes. If they do not and someone is injured they could be liable. Actually, most slips and falls are suffered by adults.
  • Swimming pools or even spas can lead to serious injury or death even with proper safety equipment and precautions.

Find out how to protect yourself and your guests with free resources from these organizations:

National Safety Council
1121 Spring Lake Drive
Itasca, IL 60143
Phone: (630) 285-1121
Fax: (630) 285-1315

National Swimming Pool Foundation
PO Box 495
Merrick, NY 11566
Phone: (516) 623-3447
Fax: (516) 867-2139

U. S. Fire Administration
16825 S. Seton Ave
Emmitsburg, MD 21727
Phone: (301) 447-1000

Environmental Health Perspectives (NIEHS)
PO Box 12233, MD EC-15
Research Triangle Park NC 27709
Phone: (919) 653-2581