Articles

Homeowners Insurance –
Protects More Than Just Homes

Most homeowners understand that their homeowners insurance covers any loss to their property. But your policy may be more valuable than you realize – it can provide liability coverage for the following situations.

1. Your college daughter leaves some of her belongings on her dorm room floor and her roommate trips over her backpack and breaks her arm. If the roommate sues you, your homeowners policy would provide liability coverage.
    
   
2. Your neighbor agrees to walk your dog while you go shopping. During the walk, Rover becomes excited and nips a toddler on the sidewalk. The child's parents want medical bills covered. Your homeowners insurance will answer.
    
   
3. While cutting down a tree on your property, the tree falls in the wrong direction and damages your neighbor's roof. Your neighbor moves into a motel until the roof is repaired. Your homeowners policy will provide coverage for the property damage and the motel expenses.
   

 
Although there are some exclusions and limitations in your policy, for intentional injury to others, for example, or certain business activities, the good news is that, for no additional cost, the policy that covers your home, also protects you in many other situations.

If you have any questions about your homeowners policy, call your agent at Avery Insurance at 569-2515, or 800-759-7579.