Tag: home insurance

At Insuran LLC, serving Central Ohio, our mission is to safeguard homeowners. We strive to educate homeowners about how home insurance protects against certain liability issues. If you’ve paid off your home and are considering canceling your home insurance, we urge you to reconsider based on the following information.

Potential Injuries on Your Property

If a guest slips on icy steps, trips on uneven pavement, or is bitten by your dog, you could be held legally responsible. In Michigan, where icy walkways and winter hazards are prevalent, these risks escalate during the colder months. Liability coverage can help pay for medical bills and legal defense if you are found at fault.

Property Damage to Others

Liability coverage isn’t limited to physical injuries. If your tree falls on a neighbor’s shed or your child breaks a neighbor’s window while playing, your home insurance may help cover repair costs. These types of incidents occur more frequently than many homeowners realize.

Legal Protection

If someone files a lawsuit against you over an incident related to your home or your actions, liability coverage can help cover legal fees, settlements, or judgments. This is particularly crucial if the claim is serious or involves long-term injury.

Unexpected Everyday Situations

Accidents can occur in daily life. A friend might fall during a backyard barbecue, or a delivery person might get injured walking up your front steps. These situations are often covered under the liability portion of a standard home insurance policy.

Contact your insurance representative at Insuran LLC serving Central Ohio to learn more about your home insurance needs. Regularly reviewing your policy to ensure sufficient liability limits can make a significant difference when the unexpected happens, right in your own front yard.

Discovering damage to your home can be a stressful experience. Once you identify the damage, you need to consider several factors and complete a few tasks. The ultimate goal is to restore your home to its best condition as quickly as possible.

If you have homeowners’ insurance, you need to alert them to the damage by filing a claim. Document the damage by taking pictures and videos. After that, your next task will likely be to mitigate the damages.

Securing the Property

The simplest way to describe what it means to mitigate damages to your Central Ohio property is to secure it. The goal of mitigation is to prevent the damage from worsening. This could mean boarding up a broken window to protect the home from further damage due to rain or vandalism.

Putting Safety First

You should only attempt to mitigate the damage if it’s safe to do so. For instance, you can usually cover a damaged roof with a tarp. However, this won’t be safe if there’s a downed power line in the work area. Always prioritize your personal safety, and don’t hesitate to contact your insurance agent if you need assistance mitigating the damage.

Homeowners Insurance is Here to Help

Navigating a homeowners’ insurance claim can seem daunting. Our professionals at Insuran LLC are here to help our policyholders understand their coverage and learn how to utilize it when necessary. Contact us today if you need to obtain a new policy or have questions about your current policy with us.