The holidays are here, and ‘tis the season to entertain friends and family in your home. Before we toast mulled cider and feel thankful for the memories of the past year, we should make sure we are prepared for the uncertainties that come with opening up our homes.

Even with the safest home and most seasoned host, accidents can happen. If someone were to slip in your driveway or fall down the stairs, you may be legally responsible for their medical bills. That’s one of the reasons homeowners, renters, or condo insurance is so important!

Protecting Your Assets

Whether you own or rent, purchasing an insurance policy for your home protects your family and your assets. Most home, renters, or condo insurance policies will provide limited personal liability and medical payment coverage.

Limited Personal Liability – this covers claims or lawsuits against you arising from an injury or property damage that happens on your property. It can also cover accidents caused by you, a household member, or a pet that take place outside your property, such as a dog escaping from your yard and biting a neighbor.

Medical Payment Coverage – while this coverage doesn’t cover you or family members that live with you, it does cover the medical bills of any guests who accidentally get injured on your property.

Before you invite the neighbors into your home this holiday season, let us make sure you are covered for any accidents that could happen. You can call us directly at (877) 215-5431 or email us for more information.

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