Call Us 800-684-5020 ☰ ˟
Logo
Call Us 800-684-5020
  • Home
  • Get A Quote
    • Automobile
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Insurance
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Builders Risk
      • Workers Compensation Quote
    • Commercial Property Insurance
    • FloodImage of right arrow
      • Flood
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Homeowners Association Insurance
      • Homeowners Association Form
    • Life
    • Long Term Care Insurance
    • Other
    • Recreational Vehicle
    • Renters
    • Specialty Automobile
    • Universal Life InsuranceImage of right arrow
      • Universal Life Insurance
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • 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
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Flood
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • Recreational Vehicle
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request ID Card for Watercraft Policy
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
      • Change Primary Operator on Existing Watercraft Policy
  • Blog
  • Resources
    • Community Partners
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About McKinney Insurance Services Inc.
    • Our Locations
    • Employee Directory
    • Privacy Policy
    • Careers
  • Contact Us
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life & LTC Icon

Life & LTC

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV and Boat Icon

RV & Boat

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Home Insurance Protects More Than Your Property
TUESDAY, DECEMBER 7, 2021

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. 

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. 

Get the coverage your family needs. Call McKinney Insurance Services at 800-684-5020  for more information on home insurance.
Posted 11:06 AM

Tags: homeowners, policy, coverage, 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
  • 2023
  • 2022
  • 2021

  • insurance(15)
  • coverage(10)
  • policy(8)
  • business(7)
  • commercial(6)
  • owners(3)
  • bop(3)
  • homeowners(3)
  • car(3)
  • auto(3)
  • liability(2)
  • general(2)
  • terms(2)
  • life(2)
  • accident(2)
  • life insurance(2)
  • general liability insurance(2)
  • whole(2)
  • retirement(2)
  • auto insurance(1)
  • vehicle(1)
  • belongings(1)
  • rates(1)
  • water damage(1)
  • car insurance claims(1)
  • common liability claims(1)
  • apartment(1)
  • stolen(1)
  • mckinney insurance services(1)
  • lower(1)
  • home insurance(1)
  • homeowners insurance(1)
  • business insurance(1)
  • auto information(1)
  • commercial liability(1)
  • renters(1)

View Mobile Version

Contact Us Today!
800 - 684 - 5020

Social Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

5 Allen Avenue
Asheville, NC 28803

Phone: 800-684-5020 | Fax: 828-684-1810 | info@mckinneyagency.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder