Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

When was the last time you checked through your Mass home insurance policy? It may have been a while, which means it’s probably time to get it out and have a look through it. It could be that you bought some fairly basic coverage initially and you may need to make some adjustments.

Another thing to consider is extra coverage for disasters that you may not have purchased when you first bought your coverage. Are you aware that, for the most part, your home insurance policy most likely doesn’t offer you protection against some extreme weather events? You may be able to claim for some fire, storm and hail damage. However, major floods, earthquakes and hurricanes probably aren’t covered, and you may need separate policies for these. 

Flood coverage is particularly important. Read your policy – check the details in the documentation about coverage for water damage. People who live near rivers or in low lying areas know intuitively that there could be a flood if there is an unusual amount of rain – but it doesn’t always mean they think to buy special coverage. However, if you live near a river and do not have adequate coverage, you may not have the financial means to recover if you experience a major flood.

Call one of our agents to assist you in reviewing your Mass home insurance requirements. Discuss with them your options for adding the disaster coverage that is not included.

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