I tightened my helmet, secured my kneepads, and snapped my buckles into place. I was nine and it was rollerblade time. I always had a great time cruising the mean sidewalks of suburbia in my neon rollerblades, but this day was exceptionally great. I even landed a jump. Then it happened. A furry little monster blindsided me from behind, and I went down. Long story short, my rollerblades were viciously and brutally attacked by the neighbor’s three-pound Pomeranian, Mr. Fluffy.
If you think about it, animals share a common trait with cars, boats, and houses—when tragedy strikes a lack of liability insurance in these areas can be life altering. And not in the "I won $27.3 million in the lottery" way. Rather, the "I need lawsuit protection so I don't lose everything I own" type of way.
Don’t you hate exceptions? Like when you have a 50% off coupon to the restaurant you love and you go there only to find out the coupon is not valid at that location. Or, say you enter to win a drawing and the fine print says, “You must live in _____ to qualify” or “You must be ____ age to apply” and you are disqualified? A lot of times, it just doesn’t seem fair. At XINSURANCE we get that. That’s why we aim to insure what other insurance policies consider an exception and leave out of what they cover.