June 15, 2011

Pool and Trampoline Liability

by RBC Insurance

It’s all fun and games…

Installing a pool or even a trampoline on your property can mean endless hours of summer fun for your family and friends. However, it may also mean that the chances of someone being injured while playing on your property can increase.

Many people don’t know that their homeowners insurance includes liability coverage that helps to protect them financially if they unintentionally cause bodily injury or property damage to others—at your home or anywhere in the world.

For example:

• A babysitter slips on a spill on your kitchen floor and injures her back.

• A dead tree in your yard falls and hits your neighbour’s roof, causing extensive damage.

• You throw a baseball on the beach while on vacation in Florida and you accidentally knock out a bystander’s tooth.

Your liability coverage helps protect you whether someone sues you or not. Your policy will help to pay for property damage or personal injury you unintentionally cause even if you are not legally liable, so it may be a good idea to consider purchasing as much liability coverage as you can afford—most people have at least $1 million in coverage.

If you’re not sure of the insurance coverage you have, ask your insurance provider, they can tell you exactly what your home is covered for.

—
This article was provided by RBC Insurance. For more information on home insurance coverage, visit rbcinsurance.com