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Newmarket, NH 03857

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Keslar Insurance Agency Blog

Insurance Blog

Personal Liability Insurance, what does it cover?

Accidents happen…and there are plenty of attorneys who specialize in recovering for victims whenever they do. Litigation has become a fact of life. Anyone with assets must take steps to protect what has taken so long to acquire. For most people, the front line in the war to protect assets is home or rent insurance.

Liability coverage pays when you are legally obligated for damages that occurred as the result of something that happened on your property (your neighbor slipped and fell on your entryway rug, for instance). It also covers damages caused by your personal activities (hit a baseball through your neighbor’s double-paned window). This coverage would pay the claims as well as a lawyer to defend you in the event of a lawsuit. In addition to protection for claims and lawsuits arising out of non-auto incidents that occur at your premises, these policies often provide protection for incidents that occur off the premises.

Keep in mind that unlike other coverage in your policy, liability insurance does not have a deductible. There is no amount that you must first pay before your insurer picks up the tab.

Time to insure your snowmobiles

It is that time of year again. The weather is cold and the snow is starting to fall in areas across the country. If the new, powdery snow gets you excited to go snowmobiling, you should take a moment to consider whether or not you have Snowmobile insurance.

Snowmobile insurance is not mandatory in all states, but it’s a good idea to have coverage. When you are riding at high speeds or are on trails within unfamiliar territory, insurance offers you protection should an incident occur. Due to the high speed capabilities of snowmobiles, an accident could result in severe injuries to you, any passenger and others. It surely will result in damage to the sled. If you go out riding and are involved in an accident, your insurance coverage will leave you with one less thing to worry about.

Snowmobile insurance coverage is similar to auto insurance coverage. There is often coverage for physical damage as well as for liability coverage. The cost of your policy will vary on a few factors, such as the make and model of your snowmobile, your completion of safety courses, and your experience driving the snowmobile. You will also need to consider your trailer, any parts, and if you want coverage during the off-season.

Snowmobile Accidents

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