Call Us 502-348-5921 ☰ ˟
Logo
Call Us 502-348-5921 to get your personalized insurance quote
  • Home
  • get a quote
    • Auto Insurance Quote FormsImage of right arrow
      • Auto Insurance Quote
    • Bonds Quote FormsImage of right arrow
      • Bond Request Form
    • Business & Commercial Insurance Quote FormsImage of right arrow
      • Business Owners (BOP) Quote Form
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Group Health & Employee Benefits
      • Surety Bond Request
      • Workers Compensation Quote
    • Health Insurance Quote FormsImage of right arrow
      • Health Instant Anthem Quote
      • Health Instant Humana Quote
      • Health Insurance Quote
    • Homeowners Insurance Quote FormsImage of right arrow
      • Homeowners Insurance Quote
      • Homeowners Insurance Quote
    • Life Insurance Quote FormsImage of right arrow
      • Life Insurance Quote
  • customer service
    • AutomobileImage of right arrow
      • Automobile Insurance Home
      • Request ID Card for Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
      • Update Contact Information for Auto Policy
    • HomeownersImage of right arrow
      • Homeowners Insurance Home
      • Homeowners Insurance Quote
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
      • Request a Mortgage Change
      • Update Contact Information for Homeowners Policy
      • Homeowners Insurance Quote
    • Business & CommercialImage of right arrow
      • Business & Commercial Insurance Home
      • Commercial Auto Insurance
      • Request a Certificate of Insurance
      • Request a Business Policy Change
      • Group Health & Employee Benefits
      • Update Contact Information for Business Policy
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Workers Compensation Quote
      • Commercial Auto Insurance Quote
      • Surety Bond Request
      • Business Owners Policy
    • HealthImage of right arrow
      • Health Insurance Home
      • Group Health Insurance
      • Health Insurance Quote
      • Request Declaration and Coverages Page for Existing Health Insurance Coverage
      • Request a Health Policy Change
      • Health Instant Humana Quote
      • Update Contact Information for Health Policy
      • Health Instant Anthem Quote
    • LifeImage of right arrow
      • Life Insurance Home
      • Life Insurance Quote
      • Request Declaration and Coverages Page for Existing Life Insurance Coverage
      • Request a Life Policy Change
  • recources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • about us
    • About First Insurance Group
    • Our Locations
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > Home Insurance Protects More Than Your Property
THURSDAY, OCTOBER 26, 2023

Home Insurance Protects More Than Your Property

For many, home insurance is mostly about protecting the home and personal belongings from damage or loss. The liability part of home insurance isn't always given as much careful consideration. This could be in part because people feel that most guests don't sue their hosts. However, there are many not so far-out-there scenarios that can easily happen to anyone. Here are three of them. Pregnant Family Standing in Front of a Home

Dog Bites 

A lot is expected of our dogs. We want them to be loving pets with our family, friends and guests, yet still protect us from or at least discourage intruders and thieves. Making these kinds of distinctions between people is expecting a lot from our canine friends, and sometimes a guest or neighbor gets bitten. If the bite is severe (and especially if the victim is a child), it's not unheard of to be sued or asked to pay for the medical expenses. 

Slips and Falls 

Slips and falls are among the most common home accidents. Although these accidents frequently happen to the residents because of the amount of time they spend in their homes, slips and falls can also happen to guests. Some of the places where this type of accident occurs include bathrooms, stairs, any place with loose rugs, wet or icy driveways and bedrooms with toys strewn on the floors. While a home should be well-kept and maintained, the home is also a place where life happens; which means it's impossible to eliminate all potential hazards 100 percent of the time when a guest comes to visit. 

Yard Accidents 

While it's not entirely healthy to be seeing the dark side of things, accidents do happen. Something as innocent as a swing set which is usually associated with happy carefree children can be the site of an injury to a neighbor's child. The same is true of trampolines and swimming pools. Even the stately tree that you enjoy could fall down on to the neighbor's car during a windstorm. It doesn't matter whether the car was parked on your driveway or the neighbor's, you could be held liable. 

The above is not an exhaustive list of the liability risks faced by homeowners. However, it should convince most that the risk is real. Insurance is about financial protection against risk. If you haven't carefully reviewed the liability portion of your home insurance policy, give it another look. Ask your independent insurance agent to review it with you to ensure that your coverage is adequate. 
Posted 8:13 PM

Tags: homeowners insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014

  • insurance(76)
  • kentucky(58)
  • business insurance(45)
  • tips(44)
  • coverage(36)
  • home insurance(22)
  • safety(21)
  • auto insurance(21)
  • life insurance(19)
  • savings(18)
  • health insurance(17)
  • somerset(16)
  • lexington(15)
  • richmond(14)
  • frankfort(13)
  • workers compensation(13)
  • first insurance group(12)
  • health(10)
  • virginia(9)
  • bardstown(9)
  • bonds(9)
  • general liability insurance(8)
  • nicholasville(7)
  • commercial auto insurance(7)
  • homeowners insurance(6)
  • kentucky insurance(6)
  • car insurance(6)
  • liability(5)
  • lexington business insurance(5)
  • surety bonds(4)
  • protection(4)
  • workers compensation insurance(4)
  • security(4)
  • workplace safety(4)
  • fitness(4)
  • small business insurance(3)
  • workers comp(3)
  • flood insurance(3)
  • bop(3)
  • finance(3)
  • business owners policy(3)
  • premiums(3)
  • back pain(2)
  • trucking insurance(2)
  • commercial auto(2)
  • policy(2)
  • costs(2)
  • lexington health insurance(2)
  • worker's compensation(2)
  • home insurance lexington(2)

View Mobile Version
Contact us
502-348-5921
Quick Links
Home Our Products Customer Service Payment Options Report a Claim About Us Our Carriers Partners Blog Contact Us
Locations

Bardstown

107 Lincoln Way
Bardstown, KY 40004

Phone: (502) 348-5921

Frankfort

Our Virtual Office
Frankfort, KY 40601

Phone: (502) 223-5100

Nicholasville

508 North Main St, Suite C
Nicholasville, KY 40356

Phone: (859) 885-9454

Danville

811 S Fourth Street
Danville, KY 40422

Phone: (859) 236-5192



Twitter Icon Facebook Icon LinkedIn Icon Google Icon


Privacy Notice | Terms of Use
© Copyright. All rights reserved.
Powered by Insurance Website Builder