You can live all alone in your home out in the woods in Burlington, North Carolina and have zero visitors, except for the occasional squirrel, and still need to have a home insurance policy that includes liability coverage. Liability insurance covers you if someone gets hurt while on your property and can also cover you in certain instances when an incident takes place away from your home.
In today’s world, it is almost impossible to completely isolate yourself from all human contact. If you choose to stay alone and never invite anyone over for lunch that is your right. However, even if you have no friends, there will still be some people who may occasionally have to come on your property. For instance, if you get mail delivered to your home, the mailman will have to come on your property.
Once a month, a meter reader from your local Burlington electricity provider will usually come on your property to read your meter. If you rely on other online companies to buy your food and other supplies, then, the UPS man or other delivery company will be a frequent visitor. The police, firefighters or other Burlington public service workers or officials also have the official right to come on to your property.
Buying liability insurance may not seem like a priority, but, if you have a mortgage on your home, you may have no choice but to also have home insurance, including liability, to protect the interests of the lender. If one of those people who are legally entitled to be on your property gets injured by a falling tree, your liability insurance will protect you from the financial risk of not having insurance.
As your independent agent, we can help you get the coverage you need. Remember, you can still live as private a life as you wish with insurance as you can without insurance. From a legal perspective, even uninvited visitors may become a liability when they enter your property.