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

Think you’re fully protected just because you have homeowners insurance?
Would your policy really cover you the way you expect if disaster hit tomorrow?

You’re not alone if you’re unsure. Many people assume they’re covered for anything that could go wrong. The truth?  Most homeowners are underinsured — and don’t even realize it until it’s too late.

In this blog, you’ll learn the  top 5 mistakes people make when buying homeowners insurance  — and how to avoid them. We’ll show you how to make smart, informed choices so your coverage actually protects your home and your finances.

A lot of people think the amount they paid for their home is the amount they should insure it for. But that’s not how insurance works.

Here’s the issue:

• Home values change.
• Construction costs go up.
• If your home burns down or gets severely damaged, you need enough  replacement coverage  to rebuild it — not just repay your mortgage.

Don’t fall into the “cheapest quote” trap.  A cheaper policy might leave you underinsured when it matters most.

• Insure your home for its  replacement cost , not its purchase price.
• Review your policy every year, especially after renovations.
• Work with an  independent agent  who can help you compare policies and tailor coverage to your real needs.

It’s easy to assume insurance covers everything. But that’s just not true. In fact,  standard homeowners policies have exclusions  that might surprise you.

Some common things  not  covered:

• Flooding
• Earthquakes
• Sewer backups
• Mold or foundation damage
• High-value items like jewelry or art
• Poor maintenance (like a leaking roof you ignored for months)

• Ask questions.  Know what’s covered and what isn’t.
• Consider extra coverage for floods, valuables, and water backup.
• Remember:  homeowners insurance is not a maintenance plan  — it won’t cover wear and tear or neglect.

Getting one quote is quick, but it’s also risky. You could end up with:

• Higher premiums
• Poor claims service
• Gaps in coverage you don’t see until it’s too late

Every insurance company prices differently — and not all offer the same benefits.

Let  Vargas & Vargas Insurance  shop for you.
We compare quotes from  many top-rated carriers  so you get options — and expert help choosing the best fit for your needs.

Your home changes. Your life changes. Your insurance should change too.

If your policy is outdated, it may not reflect:

• Renovations or home upgrades
• New valuables (like electronics, collectibles, or jewelry)
• Safety features (like a new alarm system)
• Liability risks (like a trampoline or swimming pool)

• Review your policy  once a year .
• Call your agent when anything major changes.
• We’ll help you adjust your coverage — no pressure, just smart protection.

You might be paying more than you need to — simply because you didn’t ask about discounts.

Common savings opportunities:

• Bundling  your home and auto insurance
• Installing  security systems or smoke detectors
• Raising your  deductible
• Staying  claims-free  for several years

• Ask your agent to  review all possible discounts.
• We can help you find hidden savings that most people miss.
• A short phone call could save you  hundreds of dollars  per year.

Homeowners insurance doesn’t have to be confusing — but it can cost you if you don’t pay attention.
Avoiding these 5 mistakes could save you thousands  and give you real peace of mind.

Let’s recap:

✅ Don’t underinsure — know your home’s true replacement cost
✅ Understand what’s  not  covered
✅ Don’t settle for one quote — compare policies
✅ Update your policy as life changes
✅ Ask about discounts and bundling options

At  Vargas & Vargas Insurance , we’ve helped Massachusetts families protect their homes for over 45 years. We shop with  multiple companies , break things down in plain English, and give honest advice — no pressure.

📞  Call us at 617-298-0655
💬  Visit  vargasinsurance.com
✨  We welcome your referrals, too — thank you for trusting us.