Tag: home

Having guests in your home can be a meaningful and enjoyable experience, and the last thing you want to worry about is whether someone might file a claim against you. However, accidents can happen, and liability issues are not always as simple as they seem. Understanding how liability works in Huntsville, AL, and how home insurance provides protection can help you prepare for unexpected situations.

Creating a Safe Environment for Guests

Ideally, your home should be a safe space for anyone who visits. Whether you are hosting a neighbor or a close friend, guests should be able to move around without danger. However, hazards such as uneven walkways, loose steps, or clutter can lead to injury or property damage.

Even if you assume a friend or family member would never consider legal action, medical expenses from an injury can change the situation. Health insurance does not always cover injuries caused by hazardous conditions, and in some cases, a liability claim may be the only way for someone to recover costs from a serious injury on your property.

How the Larry Burkman Agency Can Assist

Many homeowners do not think about liability coverage until a claim arises. These situations can become stressful, and disagreements may occur regarding who is responsible. A homeowner might argue that a guest should have been more aware of their surroundings, while the guest may believe they were placed in an unsafe situation.

At Larry Burkman Agency, we help homeowners in Huntsville, AL understand their liability coverage before a problem occurs. Our team will walk you through how liability works within your home insurance policy and what to expect if you ever need to file a claim or respond to one.

Contact us today to learn more about your liability coverage options and how we can help you stay protected.

Plumbing is one of the most complex and problematic systems within a home. During your time as a homeowner, you’ll likely run into plumbing issues at some point. The tricky thing about plumbing issues is that it can be hard to know what type of damage is covered by your home insurance and what’s not. We simplify things for you by going into detail about what is often covered and what may be rejected when you’re trying to file a claim. If you’re looking for home insurance to help you cover future incidents, start here with us at the Larry Burkman Agency, serving Huntsville, AL and surrounding areas.

What Kind of Plumbing Issues Will Home Insurance Cover?

Your home insurance will often cover leaks or overflows that have taken you by surprise. If a pipe suddenly bursts or starts leaking, if there’s a random overflow somewhere in your home, or if there’s a hidden leak that you weren’t able to detect, you may be able to file a claim and get approved by your policy provider. So, what would home insurance fail to cover when it comes to plumbing? 

You likely won’t be covered by your home insurance if:

• Your plumbing problem is a result of wear and tear over time.
• Your plumbing issue is a result of negligence. A great example of this would be failing to take the proper precautions during the winter and ending up with burst pipes as a result.
• You’re dealing with specific plumbing issues that aren’t covered by your standard home insurance policy, such as sewer backup or issues with a sump pump. 

Keep Your Home in Stellar Condition With the Larry Burkman Agency

Home insurance is crucial to keeping your home in optimal shape, and we can help you find it! Get started with the Larry Burkman Agency, serving Huntsville, AL, to get the coverage you deserve. Get in touch and compare quotes with us now.