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06 Jun Avoid Homeowner Heartbreak with Liability Insurance
“Home is where the heart is,” right?
Well, when something terrible happens at your home, where does that leave you? With a broken heart and most likely a broken budget.
The preventative heart care you need as a homeowner lies with comprehensive property liability insurance. Sure, you probably have a standard homeowner insurance policy; it might even have a small amount of liability protection built in. But is it enough to protect you against the weirdness of everyday life?
When your adversarial neighbor stops by to complain about your teenager’s loud music and accidentally trips over your toddler’s half-eaten, discarded apple, who’s going to pay for his hospital stay while he recovers from a broken hip? Probably not your teenager or toddler.
It’s at least worth seeking a liability insurance quote. You don’t want to be caught with your pants down when your Rottweiler pulls your party guest’s pants down, then gets overly rough.
It sounds so unlikely — but then again, many situations sound far-fetched until they actually occur.
Purchasing something extra, such as an umbrella insurance policy, helps develop increased peace of mind. It’s a rock-solid way to protect against unfounded litigation that has the potential to erode your hard-earned life in a snap.
Things would be better if we could count on reasonable resolutions and handshake agreements. But it doesn’t work that way. Lots of people are looking for a reason to call a lawyer and cash in.
You don’t need that extra layer of worry. It’s hard enough dealing with the Rottweiler. And your spunky teenager. And don’t forget that toddler who spreads her toys around like decorative bark.
It’s more than enough to get your heart rate up. Thankfully, you can start to bring it back down with a custom personal liability insurance policy that helps minimize exposure and maximize peace of mind.