Let’s all try and think of warmer weather. Dogs are barking; kids jumping on the trampoline; neighbors all gathered around the grill and swimming in the pool. These can all be aspect of your homeowner’s liability. Your homeowner’s policy covers 3 main aspects of the home – your personal belongings, the physical building itself, and liability coverage. The personal liability coverage within your homeowner’s policy provides coverage for bodily injury and property damage sustained by others for which you or your family members are legally responsible. Whether your neighbor falls down your stairs on the back deck during a barbeque or your son’s homerun wiffleball hit smashes through a neighbor’s window and breaks an expensive vase, your homeowner’s liability coverages protects you from these potential liability exposures.
Now back to that regularly scheduled dreary and cold winter weather….