Does My Homeowner’s Insurance Cover Kids Who Come Over To Play?

The general answer is yes, but as with most rules, there are always exceptions. Cause and the circumstances behind the injury may make a difference in how your insurance company handles the case. Injuries that occur due to normal play in the house will more than likely to be covered if it is determined you are legally liable for those injuries. Outside play and injuries caused by animals are where things can get a bit sticky.

Outdoor Play Equipment

If you have a trampoline or swimming pool, it is best to speak to your agent at Henderson Insurance Agency in Harrisburg, PA about coverage and limitations before an accident happens. Some insurance companies have strict policies in place that will not cover trampolines at all. In that case, you will be totally responsible if a judge finds you legally responsible. Other agencies provide coverage with safety precautions in place. These precautions can come in the form of gated fences, nets, and spring covers. It’s amazing how many injuries can be prevented by surrounding a trampoline or pool with an enclosure.  You may be lucky enough to have a policy with no exclusions. In that case, your regular homeowner’s policy should cover an accidental injury. The only way to know for sure is to discuss your insurance companies’ policies and coverage.

Pets

Injuries caused by your pets may be covered, especially if your pet has no history of aggressive behavior that has caused injury in the past. Another protected area deals with injuries that occur when someone trespasses on your property or provokes your pets. Be sure you follow state licensing law for dogs. Any dog over 3 months of age must be licensed by January 1st each year. Any dog that is deemed dangerous by the courts must be contained according to guidelines. Protect your guests, your home, and your pets by using good judgment when kids come over to play.

If you are in the Harrisburg, PA area, contact the team at Henderson Insurance Agency to discuss the specifics of your home insurance policy. When it comes to kids, it is best to be safe rather than sorry. 

 

What Are Some Common Auto Insurance Discounts

Auto insurance is a thing that every driver has to have by law and for many, there are discounts that you might be eligible for that you are not utilizing. For those in the Harrisburg, PA area, the agents with Henderson Insurance Agency can help you find out what kind of policy you need and what discounts you may be eligible for.

There are a wide range of policy discounts that you might be missing out on and there are some that are common across the board for most agencies. One is the safe driver discount. This is a discount on your premium for not getting in an accident. The amount that the discount is varies dependent on the actual agency and what they offer.

Another common discount is for having more than one car on your policy. This means that when you insure more than one car on your policy, you may be able to insure the second car for a lesser amount for the same amount of coverage. This is a great discount that most people qualify for, especially those that have more than one driver in the home or that have kids that are old enough to drive.

Some agencies also offer what is called a loyalty discount. This is a discount for holding a policy for a specified amount of time without leaving the agency or switching your insurance provider. Again, this discount is going to be based on the individual company and how much they offer. If you have questions and you live in the Harrisburg, PA area, the agents with Henderson Insurance Agency can help answer your questions and figure out what discounts you are eligible for based on your individual circumstances. You may be able to save more money than you think.