No matter how careful and responsible you are, accidents do sometimes happen. Being sued can be emotional and financially devastating to any family. You can protect yourself with personal liability insurance, which goes above and beyond what your basic renter’s or homeowner’s insurance covers. Here are six times that you’ll find yourself thankful for having the good sense to take out personal liability insurance.
#1. Your Dog Bites One Of Your Kid’s Friends
While a few breeds are restricted by some plans if your dog bites someone the liability is typically covered. The injured party can get medical care without resorting to suing you.
#2. You Decided To Put In A Pool
Pools cause as many as 10 deaths per day and thousands of injuries a year, so it’s safe to say that if you choose to install a pool, you will have a large responsibility on your hands. Personal liability can help protect you.
#3. Your Son’s Baseball Flies Through The Neighbors Window
This sounds small but you get the idea, kids or even adults can accidentally damage a neighbors property. Your basic homeowner’s insurance may cover this, or it may only provide the bare minimum in this situation. It’s important to know what your policy does or does not cover.
#4. A Party Guest Falls And Breaks Their Arm
Slips and falls are the most common household accident. Any fall resulting in injury for you and your family is covered under your own medical insurance but what if a guest falls and hurts themselves? Make sure you’re protected in the event anyone gets a little tippy at your next holiday party.
#5. While Traveling You Accidentally Damage The Hotel
Unlike homeowner’s or renter’s insurance, your personal liability plan follows you around. If you go on vacation, your coverage goes with you. Personal liability helps protect you if you get sued. If you accidentally flood your hotel room and they decided to sue you for damages then your liability can kick in to cover legal costs. Always let your insurance agent know immediately if you think you might be named in a lawsuit.
#6. Someone In Your House Plays Sports
Contact sports can cause injury and although it’s all part of playing the game, sometimes injured people get mad and try to sue you for damages. Play it safe with your own liability policy.
Contact us for a Claremore homeowners insurance quote.