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Home InsuranceHome insurance can be beneficial in a variety of unexpected circumstances, but certain types of claims are made more frequently than others. To effectively evaluate your coverage, it's good to understand the most common home insurance claims to be sure you'd be protected if you find yourself in a similar situation. Let's take a look at five of the most common home insurance claims.
  1. Accidents: If you neglect to repair a broken handrail along a staircase or fail to shovel away the ice on an outdoor walkway, a guest may get injured while visiting your home. And while a friend may not wish to file suit against you, it may be the only way to recoup the high costs of medical care, property damage and lost wages. Luckily, the liability coverage portion of your home insurance can help cover these expenses.
  2. Dog Bites: Even the best-behaved dogs can bite a guest if scared or provoked. A bite may require medical attention if bad enough. So, many standard home insurance policies include dog bite liability coverage, with the average claim costing nearly $30,000.
  3. Falling Tree Branches: It's not an uncommon to see snow and ice piled up everywhere in winter, including on tree branches. Weaker branches may snap under the weight, which can lead to extensive damage to whatever they fall on top of. Whether a branch falls on your fence or a neighbor's car, your home liability coverage can assist with the resulting expenses.
  4. Injured Workers: If you hire a lawn care company to mow your yard or a cleaning service to tidy up your home, the business may hold workers compensation insurance to protect employees from injuries sustained on the job. However, if the workers you hire to care for your home are independent contractors, they may not have coverage — and you may liable for injuries.
  5. Intoxicated Visitors: When you host get-togethers, you become responsible for the safety of your guests. So if a drunken guest causes harm or property damage to others, you may be liable for the damages. The host liquor liability coverage portion of your home insurance policy can help with the costs.
Do you have enough coverage? Call Heritage Insurance Ltd at (800) 667-7640 for more information on Moose Jaw SK home insurance.
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