Homeowners

Increasing Frequency of Dog Bites a Reminder of Costly Liability for Businesses and Pet Owners

In Pennsylvania last month, an employee filed a lawsuit against Home Depot and her supervisors alleging the defendants failed to maintain a safe work environment after she was bit by a dog brought in by a customer. Earlier this month, a toddler in North Carolina was hospitalized after he was bit by a dog. Another…

Why Renting Out Your Swimming Pool Might Not Be Worth the Risk

Renting out your swimming pool can provide additional income given the opportunities provided by today’s sharing economy. The website Swimply functions like the aquatic equivalent of Airbnb or HomeAway for pools. It offers a digital marketplace for homeowners to rent out their pool by the hour. Rentable pools are available in at least 18 states….

Married couple wearing wedding bands

$1 Billion Spent on Weekend Weddings Shows Need to Cover the Big Day

August 18 marked the peak of wedding season in the U.S. with more than 28,000 expected to have been married that day, a sought-after date given 8-18-18 is a palindrome. More marriages are coming soon: September and October are the most popular months for weddings. More than $1 billion overall was spent for August 18…

wildfire approaches neighborhood

Wildfire Forces Evacuation, Leaving Homeowners to Face Daunting Property Damage and Reconstruction Costs

Burning near the western edge of Yosemite National Park, the Ferguson forest fire has burned tens of thousands of acres, injured several firefighters and forced the evacuation of residents in the area. Wildfires are also forcing evacuations in Southern Oregon. In the wake of a wildfire in California that shows few signs of slowing down,…

soccer coach

Thai Cave Rescue: How Volunteers & Organizations Can Reduce Risk of Lawsuits

The rescue of 12 youth soccer players and their coach from a flooded cave in Thailand captivated the world this week. The boys, ranging in age from 11 to 16, and their coach were exploring the Tham Luang Nang Non cave complex in northern Thailand on June 23 before they became trapped inside following heavy…

Vacant Homes at Risk: Cleveland Explosion a Reminder of Vulnerability

A recent explosion at a vacant Cleveland-area home ended in tragedy—resulting in the death of one woman, critically injuring a man, causing five nearby residences to be uninhabitable and damaging nearly 100 other homes. Police say four individuals were stealing metal from the home and likely caused a natural gas leak. Over the past 20…

How to Combat Liability Risk for Graduation Parties with a Personal Umbrella Policy

The National Center for Education Statistics is expecting that 3.6 million students will graduate from high school in 2017-18. As outgoing high schoolers around the U.S. hold their graduation parties in the days and weeks ahead, and their parents and guardians recognize their milestone achievements, they should also be aware of the liability they could…

Masters Tournament Lodging: Home Rentals Need More Than Homeowners Policy to Protect Against Risk

When the PGA Tour’s first major, the Masters Tournament, is held this week at Augusta National in Georgia, thousands of fans from around the world will converge on the small town of Augusta. It is estimated that 150,000-190,000 patrons attend the Masters each year. And they will all need a place to stay. With hotels and online rentals being booked nearly two years in…

Key Advice for Clients Affected by Wildfires

This year has been the costliest for wildfires in U.S. history with damages topping $10 billion—and that was before the current fires began in California1. More than 1,000 structures have been destroyed and at least 25,000 homes are threatened by the raging wildfires in Southern California, according to the California Department of Forestry and Fire…

Are You Sitting on a Gold Mine? Header

Are You Sitting on a Gold Mine?

The number of homes valued at $1 million and above has doubled in the past five years. With this recent surge in high-value homes comes an increased need for specialized coverage. Homeowners often underestimate the value added by upgraded features such as imported tile, outdoor kitchens, custom-made cabinetry, built-in pools and custom brickwork. Consequently, many…