🛡️ Personal Liability: Dogs, Trampolines, Pools & Attractive Nuisances 🇨🇦
When we think about home insurance, most of us picture protection against fire, theft, or water damage. But one of the most crucial—and often overlooked—aspects is personal liability coverage. This protection steps in when someone else is injured or their property is damaged because of something connected to your home or lifestyle.
⚡ Common “Attractive Nuisances” to Watch
• Dogs 🐶 – Even the friendliest pets can bite or knock someone over, leading to medical bills and potential lawsuits.
• Trampolines 🤸 – Great fun for kids, but a major source of injury risk—and often red-flagged by insurers.
• Swimming Pools 🏊 – Accidental slips, dives, or drownings can result in serious liability claims.
• Other Hazards 🚲 – Play structures, treehouses, and backyard fire pits can also be considered “attractive nuisances,” drawing children or guests into risky situations.
📌 Why It Matters in Canada
Liability claims can involve legal fees, medical costs, or settlements that easily reach six figures. While most home insurance policies include liability protection—typically between $1 million and $2 million—higher limits are strongly recommended if your property includes features that elevate risk.
✅ The Takeaway
Personal liability coverage is more than a policy requirement—it’s financial protection for life’s unexpected moments. If you have pets, a pool, or other recreational features on your property, reviewing your liability limits could be one of the smartest moves you make.
👉 When was the last time you reviewed your liability coverage?
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