Home Liability Insurance: What Is Covered

Home liability coverage is commonly provided on homeowners Insurance policies. It is important that you know what it covers so that you can determine whether the limits are sufficient or if they need to be added to based upon how much protection you desire.

Anyone visiting your home has the potential to hurt themselves. Some of it may be as a result of negligence, while others may be due to a freak accident, such as slipping on ice near your sidewalk or tripping in a hole in your yard.

Regardless, you want to make sure that the home liability coverage is in place so that you can file a claim for the insurance company to cover the majority of expenses. Otherwise, you could find yourself spending a lot of money to make things right.

The coverage may be able to take care of such things as:

  • Legal expenses
  • Pain and suffering
  • Medical bills
  • Time lost from work
  • Death benefits

While you hope that an accident isn’t too severe, or would potentially lead to death, it is important for you to have the protection because the bills could otherwise bankrupt you.

Think about it. Should someone decide to get a lawyer, it could result in tens of thousands of dollars in a pain and suffering settlement, and this doesn’t even include the medical bills that they still have to pay. You as the homeowner are the one held financially responsible if you’re found liable, and therefore the coverage needs to be there – or you could be in serious financial despair.

Contact one of our independent insurance agents at The Insurance Shop USA today to learn more about home liability coverage and how you can control the limits within your homeowner’s insurance policy in Rathdrum.



Top Tips for Driving in Winter Weather in Rathdrum

If you’re willing to get out in the cold weather and take on the slippery roadways, then it’s important that you be as prepared as possible. Proper preparation will require taking several factors into consideration. For starters, you’ll want to make sure that in the event you were to become stranded on the side of the road that you have proper attire. This will include having lots of blankets and winter gear stored in your trunk. You’ll also want to keep a charged up cell phone on you at all times. Even if the phone doesn’t have carrier service on it, you can still use it to call 911 if need be. 

Switch Out Your Tires

Another way to be ready for driving in winter weather is by switching out your tires for ones that go well in the snow. Winter tires are well known for having a certain type of tread on them that enables them to strongly grip the roadway even when it’s wet and slick. As you can imagine, these tires tend to be a bit more expensive than their counterparts, which is why you should switch them out to ensure you get the most use out of them as possible during the parts of the year that they need to be on your car. 

Be Careful with 4WD

Just because you have a vehicle with 4WD capabilities doesn’t mean it’s going to brake any faster than vehicles that are only 2WD. In fact, because 4WD vehicles are usually quite large, it will likely take you longer to brake, especially when sliding on ice or snow. 

To learn more about driving the safe way in winter weather, contact an agent from The Insurance Shop USA today.