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

Are you a mad collector? Do you have walls of antique porcelain, or shelves full of precious rare books? Have you spoken to your insurance broker about your Mass home insurance policy and about what you need to do to make sure you have adequate coverage for these special treasures?

Home insurance usually includes an amount in the policy to cover the replacement or repair of personal items in the event of an insured loss. However, that may not be enough if you have items that are highly valuable as when added together, the collective value may well exceed the amount you can claim in a particular category on your policy.

It isn’t just antiques and collectibles that fall into this category. A fully equipped home gym, with a lot of specialized training equipment may also cost more to replace than your policy will pay. So could musical instruments and fancy IT and entertainment equipment.

You do have a few options, including upping the contents coverage portion of your Mass home insurance , or adding endorsements to specifically cover those precious items. Why not give us a call to discuss your situation and explore how best to ensure you have enough coverage?

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