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  • Writer's pictureChristina DeSimone

The Biggest Risk To Your Home (And How To Prevent It)

Most people think the biggest risk to their home is fire, water damage, or a bad storm. It’s why they buy insurance (and the fact it’s required by their mortgage lender).

But in reality, the biggest concern is protecting your assets from a liability claim. Consider this...

Warm weather has arrived and everyone is beginning their yard work. Mowing, planting flowers, and digging those vegetable gardens. There is a lot of work to be done.

So let's say that you dig a large hole in the front yard so you can plant a new tree. You walk away for a moment and while you're gone the kid next door runs through the yard, falls in the hole, and breaks his ankle.

Unfortunately, you're likely to be held responsible for his injury. But not to worry, your homeowner's liability insurance is made for these kind of situations. It will pay if someone is injured on your property. It's also the coverage that protects you if the dog bites your child's friend (as long as it's not a restricted breed) or if someone falls down your front steps.

If the injury exceeds your liability coverage amount, then you could be sued for the difference (SEE BELOW FOR A SOLUTION TO THIS PROBLEM). Work with us to determine the amount of coverage that you are comfortable carrying.

Without the proper coverage, you're risking your savings, retirement, house, and everything you work hard for every day. Your agent can (and should) be helping you cushion yourself from this danger!

No one can protect themselves by just being careful alone. There are too many possible scenarios that you could never avoid. But with the right insurance coverage, you'll never have to worry.

A great way to protect your worl is with a personal umbrella policy, which we will discuss another time, but for those of you that are curious, you can CLICK HERE AND WATCH THIS QUICK VIDEO

Call us today for a free review and to discuss how much liability coverage you need. Or schedule your appointment now

Christina DeSimone is a licensed insurance agent at the DeSimone Agency in Brooklyn, NY. Call or text her today for a no-obligation quote on your insurance at 718-251-3301.

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