Keep Your Garage Sale Safe

When setting up garage sales, safety isn’t usually on the forefront of people’s minds. Instead, they’re focused on pricing and displaying items. If you’re organizing things for a garage sale, though, make sure to keep in mind some basic safety tips.

Safety at Garage Sales

Safety doesn’t need to get in the way of pricing and setting up items for sale, but it’s something you should keep in mind at all times. Organizing your sale around a few common-sense principles will reduce the likelihood that someone accidently gets hurt. For example, you can:

  • place sharp objects out of the reach of small children
  • keep small items on tables so people don’t trip over them
  • make sure there’s a clear pathway through your wares

These are all simple steps but will help keep your sale safe for everyone who comes.

Your Liability Coverage

No matter how much attention you give to safety, you can’t eliminate all accidents. To protect yourself if there is an accident on your property, you should have liability coverage.

Most homeowners insurance policies include personal liability coverage, although policies’ terms and conditions that govern the coverage vary widely. If someone is injured in an incident that’s covered by your liability coverage, your insurance policy may protect you.

If you only have limited liability coverage through your current homeowners policy, consider increasing your protection before you have a garage sale. At The Insurance Shop USA, we can help you find a new homeowners policy if you live in Sandypoint, ID. In just a few moments, our agents can find you a policy with the liability coverage you want. To get in touch with them, send us an email through our website.


SurpriseHomeowners Coverages in Sandpoint, ID

For those looking to purchase a homeowners insurance policy in Sandpoint, ID, there are many considerations you will want to take into account. While most people consider a homeowners policy as being primarily for protection in the case of the total destruction of the home, the fact is that your homeowners insurance policy likely has many more coverages than you may have imagined. For example:

  • Coverages related to foundation damage

Many homeowners insurance policies cover foundation damage which may affect a home, and offers coverages to replace such damaged features as a sinking deck or porch, in addition to the home’s actual foundation. One thing you should take into account is that homeowners policies do not always cover the foundation directly, and you may need to purchase a separate rider in order to have the foundation covered. This is because repairing the home’s foundation can be very expensive, and therefore its coverage is often extra.

  • Coverage against theft

Many people would be surprised to learn that their homeowners insurance policy usually covers their personal belongings against theft. Every policy has its own coverage limits, terms, and conditions, and strict documentation of the home’s contents will likely be needed in the case that a claim needs to be filed.

  • Accidental bodily harm

Suppose your dog bites your neighbors child while warn your property. Many homeowners policies will have coverages for this type of situation and other instances of accidental bodily harm.Like all other coverages, it is a good idea to talk to your broker about just how much your policy covers in the case of accidental bodily harm, and what kinds of accidents are covered.