Homeowners Insurance and Liability
Advice for homeowners to help avoid premises liability issues with their homeowners insurance.
Imagine this: Your remove a board on your deck because it is damaged. You plan to replace it right then, but you are interrupted before you finish the job. You alert your family to the danger, but you do not mark the spot. You do not expect that an acquaintance will stop by that evening and choose to seek entry through the side door, rather than the entry door. Not seeing the missing board, the visitor puts his foot through the opening and falls, wrenching his knee. You rush him to a nearby hospital, apologizing profusely but confident that whatever medical bills arise from the incident will be paid by your , we wouldn’t need insurance.