That front door swing? It’s not just letting in holiday cheer. It’s inviting risk. The moment your guests step inside, your home becomes a potential liability zone. And in Ft. Worth, TX, where backyard decks, unpredictable weather, and enthusiastic dogs are all part of the package, the risks can escalate quickly.
Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX helps homeowners identify potential hazards before someone ends up in urgent care or, worse, facing a lawsuit.
Not Just Friends, Legal Responsibilities
In Texas, your responsibility to guests goes beyond hospitality. You’re expected to address hazards you’re aware of, and even those you should have known about. That crack in the patio or loose stair tread? If it causes injury, your insurance policy had better be prepared to cover it. Otherwise, your finances could take a hit.
Small Details, Big Claims
Before hosting a gathering, take a walk around your property. Yes, actually walk it and check for potential risks:
- Test railings
- Clear ice or leaves
- Ensure proper lighting on the steps
- Secure the pool area, if applicable
- Crate your dog, even if he’s “friendly”
Spending just 20 minutes on these precautions can save you thousands in potential claims.
Is Your Coverage Ready for Guests?
Most homeowner’s insurance policies include liability coverage, but it’s important to understand the limits and exclusions. Some policies restrict coverage for guest injuries during events or limit payouts for property damage caused by guests. Others may have low coverage limits that leave you vulnerable.
Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX can help you review your policy to ensure it provides adequate protection. If additional coverage, such as umbrella insurance or short-term riders, is needed, we’ll help you incorporate it.
Before the Doorbell Rings
This holiday season, prepare your home and your insurance policy. If you’re unsure about what happens if someone trips in your kitchen or falls near the fire pit, give us a call. It’s better to address these concerns now than while you’re holding ice on someone’s ankle.
