Whether you have a large, brand-new home in Cloquet, MN, or an older one, it may have some features that require extra liability coverage on your home insurance. Whether you have one of those features may not always be obvious. Brittany Olson Insurance Agency LLC can advise when you need to consider more liability as part of your policy.
Recreational Features
Items in this category have a more obvious risk. These include swimming pools, hot tubs, diving boards, slides, and docks. Other risky recreational features are trampolines, playground structures, sports courts, treehouses, and fountains. Insurers call these features "attractive nuisances" because they can attract unwanted visitors who can sustain injuries on your property. You’ll be responsible for those injuries even if you don’t know the people involved.
Additional High Risk Situations
Certain dog breeds are considered dangerous because they can inflict severe injuries. Homeowners who have one of these dog breeds, or an exotic animal that can inflict injuries, may have to buy a separate animal liability policy.
Decks are seldom viewed by homeowners as a liability. However, if you don’t maintain yours and someone slips and falls, you have the potential for big medical bills. Other dangerous situations can involve fireplaces or wood-burning stoves. These features can cause severe burns, or even death, if they are used improperly.
Getting Sufficient Liability Coverage
You can cover some situations, such as a home-based business, with a rider on your home insurance policy. Another option involves increasing the liability limits. However, the safest option may be to purchase separate umbrella insurance. These policies provide over $1 million of coverage for a relatively small premium.
Let Brittany Olson Insurance Agency LLC, serving Cloquet, MN, advise you on home insurance liability. Contact our office today to get started on a new policy.
