Owning a home is a life milestone. However, it does come with some risks that have the potential to affect your finances. Fortunately, being adequately insured will help minimize the effects of any unfortunate circumstances that arise. One of the most significant aspects of any home insurance policy is liability coverage, which will protect you from third-party claims as a result of injury or property damage. Here are a few common liability claims brought against homeowners and how you can prevent them. 

Liability Claims Homeowners Often Face 

1. Slip & Falls 

You can be held liable for accidents that occur on your premises if you failed to sufficiently maintain the property and it results in another party needing medical attention. Slip and fall accidents account for many injuries that take place on residential properties. Home insurance liability claims are frequently filed due to a guest falling down the stairs, tripping over carpeting, or slipping on the sidewalk. To avoid such incidents, make sure the stairs are free of any foreign substances, handrails are properly installed, area rugs are placed down with a grip pad underneath, holes in the carpet are repaired, and walkways are cleared of snow and ice. 

2. Dog Bites 

Despite being man’s best friend, dogs account for a number of liability claims every year. In most cases, home insurance will provide coverage for the legal ramifications you could face if your dog bites someone. However, certain breeds that are prone to aggressive behavior may be excluded from the policy. If you aren’t currently covered, you may be able to buy an umbrella policy or a rider to extend your protection. Do your best to prevent dog attacks by having them trained, socializing them with people and other animals, keeping a safe distance from strangers, steering clear of aggressive play, and always supervising when small children are around.

3. Falling Trees 

Falling trees tend to be problematic in inclement weather. An entire tree can be uprooted in a storm and come down on an innocent bystander or your neighbor’s property. Under these circumstances, you could be held responsible for the resulting injuries or damages. If the house is surrounded by large, mature trees, look for signs they are in danger of uprooting, such as leaning in an unnatural manner. Should you have any concerns, have the trees removed.

Unfortunately, accidents are sometimes inevitable no matter how many precautions you take. For this reason, make sure you have adequate home insurance that will protect you from costly liability claims by consulting with the professionals at Accredited Insurance Group. They have been providing the residents of Omaha, NE, with quality insurance solutions at affordable rates for over 25 years. Call (402) 334-1780 to consult an experienced and knowledgeable agent or visit their website to request a free quote.