The neighbor kid is over again. He roams around your house with his shoes on, drinks your milk out of the carton, and is always whining. On top of that, he’s constantly bouncing on the blasted trampoline. You’ve warned your kids not to do flips, but he doesn’t seem to think those rules apply to him. You watch as he jumps one, two, three times and flips…off the edge. Yep, that’s a broken arm. This time he’ll learn. Sucker!
Except that you might be the sucker if you haven’t checked out your home liability insurance policy recently. After all, if the neighbors wanted, they could sue you because their kid didn’t follow your rules and got himself hurt. Fair? Maybe not, but you’ll want to know what home liability insurance is and what your policy covers to make sure you’re insured against accidents like this one. [Read more…]