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.
