Ways To Protect Yourself From Someone Being Injured At Your Home

The main reason for buying homeowners insurance is to protect the structure of the home and the belongings in the event of a fire, robbery, or other problem related to your home. However, home insurance can also protect you from liability if an injury were to occur to somebody while they are on your property. Here are some ways that you can limit your risks due to this unforeseen circumstance.

Fence Off Your Yard

You may love having an open backyard that you share with your neighbors but don't realize the risk that comes with not having a fence. You could potentially be held accountable for injuries that happen on your property due to attractive nuisances.

If you have items in your backyard that can cause somebody to become injured, such as a swimming pool or trampoline, know that you could be held responsible even if the injury happened while they were trespassing on the property. This is often the case where kids trespass because they want to play in your fun backyard and do not understand the risks of doing so. You need to deter this behavior by fencing off your backyard with a locking gate.

Protect Your Dog From Others

If you have a dog that roams around freely in your backyard at times, you may have concerns about getting sued for a potential dog bite. That's why you want to do everything you can to prevent this situation from happening. Unfortunately, putting up a sign that says you have a dog is not enough and could still find you in legal trouble.

Once again, a fenced off backyard is a great way to prevent the dog from being within biting distance of another person. A privacy fence to prevent the dog from barking and being provoked will be even better. You can even consider using an invisible fence that is a few feet away from the actual fence, giving the dog some distance from the arms of others that could reach over.

Increase Your Home Insurance Bodily Harm Coverage

Your insurance may have liability protection and bodily harm coverage options as part of the policy. Liability covers your legal costs and bodily harm covers the medical bills to others. Consider upping your coverage so that it is high enough to cover the hospital bills of someone that is injured on your property. If an injury happens, all you need to pay is your deductible to cover the costs.

For related services, consider companies like D E Cressman Insurance Agency Inc.

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