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Slippery sidewalks: Not funny

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Mark Blog PhotoSlips and falls may be hilarious when part of your favorite sitcom, but in real life it’s no laughing matter. A tumble on snow or ice can cause serious injuries.

As a homeowner, it’s your responsibility to keep your property safe. Removing snow and ice from your property as soon as possible will help prevent visitors from injuring themselves on slippery walkways, stairs, or entryways. If someone is injured, you may be held liable for their medical expenses, lost wages, and even pain and suffering. Your home insurance offers protection against financial loss for claims, but preventing a claim in the first place is to your advantage. Many companies will raise rates or cancel policies depending on the situation.

Standard home insurance includes two coverages to protect you if someone is injured:

  • Medical payment coverage included in your home policy provides reimbursement of medical expenses to someone injured on your property regardless of fault. Coverage typically ranges from $1,000 to $10,000.
  • Liability protection pays if you are found negligent and your actions or lack of actions cause injury. Liability coverage pays the cost of the claim (up to the limits of your policy) as well as defense costs should you be sued. This coverage follows you wherever you go—not just at your residence.

Home policies offer liability coverage starting at $100,000, but Member Benefits’ standard coverage is $500,000 to provide more protection. Purchasing an umbrella policy would provide an additional one million dollars or more of liability protection.

It's easy to get an quote on home, renters, or condo insurance by using our Quick Quote web portal.

If you have questions about home or umbrella insurance coverage, call us at 1-800-279-4010 or set up a personal phone consultation.

Mark Dannehl, Personal Insurance Consultant