Home Insurance Tips

Published on April 14th, 2015

Going beyond general home insurance in case of lawsuits

Every year countless homeowners are faced with lawsuits. While purchasing a home is already an important decision, the thought of being sued for damages that occur on your property can be completely terrifying. While these lawsuits are not as common as many fear, they are possible. Here are a few tips to act on the side of caution and potentially protect your home and yourself against a home lawsuit...

  1. Get Insurance: When buying a home, many mortgage companies will require you to have homeowners' insurance to cover any damages that may befall your home. However, these policies don’t always cover injuries that may occur on your property. To avoid being held liable for any injuries that may happen in your home, you’ll have to get additional coverage to protect you and your wallet from damages.

  2. Watch out for Hazards: The outside of a home can be very susceptible to injuries and lawsuits. Since you can’t control who may use your driveway, sidewalk, or lawn, it’s best to report any cracks or tripping hazards to the city. If you’re buying a home, keep an eye out for these hazards and make sure they are corrected before purchasing the property. Removing these hazards and keeping documentation of these corrections can save you a lot of hassle and money in the long-run. And, if there is an injury on your property, make sure you reach out to your insurance company right away to avoid lawsuits.

  3. Tread lightly when Landscaping: If you’re one of the many homeowners who are updating the exterior of your property, make sure you start with reviewing your insurance plan to confirm you’re covered against landscaping disputes. Another important factor is to be familiar with your property lines and keep projects within those parameters. You also need to make sure you have all of the appropriate permits, just in case anything arises down the road.


While discussing insurance is not an exciting topic and the idea of being sued can be scary, it’s best to start your insurance search by talking with an expert. Your insurance agent is a great resource for information and can answer any questions you may have. If you’re looking to insure your next purchase, a Housing Buzz Specialist may be able to point you in the right direction and provide a free consultation on financing your homeownership needs. Reach out to us today. We’re here to help make this process as smooth as possible.

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