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

It’s a good idea to check exactly what your homeowner’s insurance policy covers. As they say, the devil is in the detail, and this can be especially true when it comes to insurance. It might be a pain to do, but reading the fine print of your policy might turn up some surprises.

For example, should you suffer a prolonged power outage, your homeowners’ insurance might reimburse you for spoiled food in your freezer. In addition, should your Massachusetts home be destroyed in a fire, your insurance company might pay for your home to be rebuilt to comply with the most recent building codes in your area. It might even cover the cost of living in a hotel while repairs are being done to your home. Not all policies are the same, which is why it is important to check.

You might be surprised to find that when your 18-year-old heads off to college, your homeowner’s insurance policy might include limited coverage for the contents of your teenager’s dorm room on campus.  The best way to find out about all the unusual things your homeowners’ insurance covers is to carefully review your policies with your agent.

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