Homeowner’s Insurance Can Protect You Against Legal Troubles
Elizabeth Newberry
Picture this: You and your spouse have just bought the new home
you’ve been wanting for years. It has everything you want – a
big yard for the kids and the dog, enough bedrooms so you can
have guests overnight and still have your own home office, and
a kitchen that would make Emeril Lagasse green with envy. Yes,
all that time spent saving and searching has finally paid off.
Your family is living in a dream home.
Until the dream becomes a nightmare when your next door
neighbor is bringing you a welcome basket, slips on a loose
step climbing up to your porch, and breaks both of her legs.
Yes, at this point your dream becomes more than just any
nightmare – it’s now a legal nightmare.
Unless you have adequate homeowner’s insurance.
With homeowner’s insurance, you can rest assured that you, your
family, your visitors, your valuables, and your property will
all be protected in the event of an accident, theft, vandalism,
and damages caused by certain weather elements. As long as you
have adequate homeowner’s insurance, your next door neighbor’s
accident won’t result in a legal battle over who must pay for
her injuries and how; your homeowner’s insurance will have it
all taken care of.
It’s true that homeowner’s insurance isn’t a legal requirement,
unlike automobile insurance, unless you’ve borrowed money to pay
for the home, and you’re lender requires you to purchase
homeowner’s insurance. For this reason, many people opt not to
purchase homeowner’s insurance. Who needs the extra bill,
especially if you’ve just purchased a new home? You need it,
unless you want to pay hundreds, even thousands, of dollars
should the “next door neighbor” scenario become a reality for
you.
So, consider purchasing a homeowner’s insurance policy. Make
any repairs your home might need, and take inventory of your
valuables. Then, call up a few insurance companies that offer
homeowner’s insurance and get quotes.
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