A Trick-or-Treater Fell on My Property…Now What?
First thing is first, hopefully this does not happen to anyone this Halloween. Unfortunately more people on your property could make you more susceptible for this kind of situation. Kids in their costumes of all ages (sometimes too big for them) will be coming up to your door and trick-or-treating and it’s important for you to be prepared. Being prepared means more than just having enough candy for the kids, it also means making sure you have the Connecticut coverage you need if something happens on your property, like a child getting hurt.
Luckily, liability coverage on your homeowners insurance policy will help protect you from any accident on your property! Personal Liability coverage and Medical Payments to Others coverage can help pay for lawsuits brought against you for damages because of “bodily injury” caused by an “occurrence” on your property, but they’ll only cover up to your limit. What is your limit? We suggest $500,000 or $1 million worth of liability. If you are not sure what your limits are or if they are high enough, give our agents a call today. They can walk you through the different limits amount and help make sure that you feel adequately prepared for Halloween and any other time of year. Call them at 888.865.1244 for answers to your questions about limits on your home insurance and any other insurance concerns, of course!
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