WEDNESDAY, NOVEMBER 23, 2022
Listening to the news, it seems like we are all in for a long winter. The news also hints about lots of snow and ice lasting into the spring months. Ice and snow bring the benefit of moisture for the ground, but they also bring the opportunity for people to get injured.
The law in most states is clear that homeowners have a duty to remove the ice and snow from sidewalks and driveways. Homeowners have a duty to make entrances into the home as safe as possible. That means taking time to shovel the snow and either remove ice, or add ice melter.
While most of us do our best to keep the sidewalks clear, there are times when we’re in a rush to get to work and leave snow on the sidewalks. There are other times when it's just too cold for the ice melter to work. So, instead of chipping the ice off the sidewalks, we leave it until it's warmer. 
If someone does slip on your sidewalk and get hurt, then your home liability insurance might not cover all the expenses. After your home insurance has paid as much as it will, umbrella insurance can cover what your home insurance caps or excludes. Some of these expenses may include:
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Legal costs if you need to hire an attorney. Even if you just need an attorney to write a letter proving you were not negligent, that can cost hundreds to thousands of dollars. Having umbrella insurance to cover those costs helps protect your resources.
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Settlement costs. No matter how large or small the settlement, you don't want it to come out of your pocket. Having umbrella insurance to cover those costs helps protect your resources.
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Medical costs for the person who fell, if the expenses exceed what your homeowners policy will cover.
Even though we are already in winter, it's not too late to protect your resources. You might also be interested to know that an umbrella policy can cover:
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If your dog bit someone and the claim exceeds your homeowners insurance, an umbrella policy can cover those costs.
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If someone else’s property is damaged because of your children or pets, an umbrella policy can cover costs after you have used your home insurance.
Contact us today and let's talk about an umbrella insurance policy.
Get the coverage you need. Call Illinois Insurance Associates at (630) 362-5915 for more information on umbrella insurance.
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