What Indiana Homeowners Should Know About Liability Coverage

Features such as trampolines or swimming pools make your property more fun, but they also expose it to unique liability risks. At Shirer Insurance Services, we want to help homeowners secure the best insurance policy for their needs, so they can fully enjoy the thrills of home ownership.

Understanding Liability Risks

Liability coverage can help pay for guest injuries or damage you cause to others. Some home features can increase the chance of such incidents. For example, if you have a dog, a trampoline, a pool, or host frequent gatherings, you may be exposed to increased chances of accidents or injuries on your property.

Dogs and Dog Bite Liability
Even the friendliest pets can be unpredictable. If your dog bites or injures someone, you could be held financially responsible for medical bills or legal costs.

Many homeowners insurance policies include dog bite liability, but some breeds may be excluded or require additional coverage. It’s important to review your policy and discuss any concerns with our team.

Trampolines and Recreational Equipment
Trampolines are a popular way for kids to stay active, but they also increase the risk of injuries.

Insurance companies may have specific requirements for trampoline safety, such as installing safety nets or fencing. Some policies may exclude trampoline-related injuries unless certain precautions are taken, so it’s essential to let us know if you have one on your property.

Backyard Pools and Pool Safety
Pools are a great way to beat the summer heat, but they also present significant liability risks, as accidental drownings or slip-and-fall injuries can happen quickly.

Most insurers and localities require safety measures such as locked gates or pool covers. Failing to disclose a pool to your insurance provider could result in denied claims or gaps in coverage.

How Shirer Insurance Services Can Help

Our team understands the unique needs of homeowners. We can review your current policy, explain your liability coverage options and recommend adjustments to help cover you after unexpected claims. Reach out to our team to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.