Before sending your children out to play, be mindful of the liability they can present.
In many cases, your homeowner insurance covers damage to your neighbor’s property if your son or daughter is legally liable, and your liability coverage – whether through your homeowner insurance or a personal umbrella policy – may respond if someone is injured on your property.
It’s always a good idea to keep track of where your children are playing and who is playing in your yard. If an injury occurs on your property, you could be liable for the medical expenses and other damages. You will want to make sure you have taken all the measures necessary to prevent injuries and to protect yourself financially with insurance.
Don’t overlook the liability that scooters and battery-powered toy vehicles can present. If your child injures someone or causes property damage while operating a toy vehicle, not all homeowner policies provide coverage. Reviewing your policies with a professional independent agent will help ensure you are adequately covered.