How Home Liability Coverage Will Protect You

Living in Pine River can be a lot of fun. As a homeowner, you have certain responsibilities. Home liability coverage can be included within your homeowner’s insurance, and this coverage has the ability to provide significant amount of protection. Not sure how it protects you? We have identified a few ways below.

Saves You Money

You could be responsible for all sorts of expenses without home liability coverage. Many accidents involve medical bills as well as lost wages. In the event of a fatality, there would even be death benefits. You don’t want to pay all of this out of your own bank account, which is why it’s better to have the coverage through your homeowner’s policy.

Offers Legal Assistance

Home liability coverage will pay for you to get a lawyer. It is very possible that someone will sue you if they get hurt at your home. Even if you are friends with them, they are going to look out for themselves. A lawyer’s expenses can be included with liability coverage, even if you are found to be responsible for what happened.

Prevents You From Going Into Debt

You have to consider how a person injuring themselves on your property can cost you thousands of dollars. There may be a pain and suffering settlement and more. If you didn’t have home liability coverage to take care of these expenses, you could easily go into debt – and potentially even have to file bankruptcy. It is why it pays to look at coverage and ensure you have the protection.

At Hanneken Insurance Agency Inc. we look forward to helping you with home liability coverage so that you can be better protected in Pine River, Minnesota. Call and speak to one of our agents today so that we can begin serving you.



Improve Your Driving Skills For The Winter

Living in Pine River also means having to deal with the cold weather and the harsh winter conditions that can impact your driving. You want to make sure you do all you can to improve your driving skills so you are prepared for what winter is going to bring.

The roads of Minnesota can be dangerous if you aren’t prepared. Plan on stopping your car with jumper cables, tow strap, a flashlight, a shovel, as well as winter attire. This way, if you have to change a tire or do something else, you are not only warm, but well prepared.

Winter Tires/Chains

Depending upon where you are driving, you may need to install chains on your tires. Otherwise, you should plan on having winter tires and it is going to provide you with additional traction so that you can deal with the snow and ice more appropriately.

Don’t Rely on 4-Wheel Drive

4-Wheel drive can provide you with additional traction, but it isn’t going to help you with cornering or braking power. This is a common mistake that many people make – and you don’t want to rely too heavily on it as it can result in a collision if you aren’t careful.

Establish a Safety Bubble

You are going to be safer on the road with a safety bubble around you. This means allowing enough space between you and the other drivers, especially the car in front of you. It can take 10 times longer to start on ice or snow than on dry pavement, and you don’t want to rear end a car simply because you didn’t allow sufficient space.

At Hanneken Insurance Agency Inc. we have a dedicated team of independent insurance agents to help you find affordable and reliable auto insurance. Call today and learn how one of our agents can help obtain quotes and explain various coverage levels.