When the weather is turning colder, and the leaves are starting to fall, it’s time to start preparing for winter. What can you do to “winterize” your home? Here are tips to help you keep warm and safe:
With the holiday season fast approach, we all tend to have more visitors than usual. Have you considered what might happen if one of them were to slip on your icy step? If a visitor injures themselves on your property, you could be on the receiving end of a law suit. It’s so important to make sure your sidewalks, steps, and anywhere else visitors may walk, are kept clean, well lit, and clear of anything anyone might slip on or trip over.
If someone comes onto your property, it’s your responsibility to make sure they’re not at risk of being injured. Even if you haven’t actually invited them onto your property, you still must take all reasonable precautions to ensure there are no hazards present. For instance, if you’ve dug a huge hole in your back yard in preparation for a new pool next spring, and don’t fence it off, put up warning signs, or take whatever other steps are necessary, you could be found negligent if someone cuts across your yard at night, and falls in the hole.
Most home insurance policies are packaged to include protection for damage to your property, as well as liability insurance. Liability insurance is designed to protect you if you are sued as a result of unintentional bodily injury or property damage arising out of your ownership, use or occupancy of your premises.
In other words, if someone slips on your icy sidewalk, and you are sued, your insurance policy will cover your defense costs, and will pay up to the coverage limit (usually starts at $1 million) if you’re found liable for the unintentional bodily injury. It’s important to make sure that any rental or vacation properties you own also have liability insurance.
So remember, keep your walks clear of ice and snow this winter! And make sure you have enough liability insurance, just in case. To learn more about winterizing your home or to double-check your coverage, contact Square One at 1.855.331.6933.
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Even when you take precautions, accidents can happen. Home insurance is one way to protect your family against financial losses from accidents. And, home insurance can start from as little as $12/month.