Are we solely responsible for everything that happens inside the house? My house is my strength, it is often said. It is the place we create to feel protected with the family. It goes without saying that at home we are less exposed to everyday dangers.
But such domestic security is not only an attribute of the family. Since we live in society, one’s home must guarantee security and well-being to people who, for some reason, have to access it. And they should not constitute a danger to those who live or transit around it.
That is why, if a postman comes to our house to leave a letter, or rather, a package, because nobody writes letters anymore, and our dog bites him, we can receive a claim of civil responsibility from the postman.
The same can happen if a tree planted in your yard falls on top of the neighbor’s roof. And it is true that, as much as the neighbor loves you, he will take you to court to pay the roof.
A case that is little talked about but that happens frequently is when you invite friends to dinner. And that food that you prepared with such care intoxicates your guests and they have to be urgently admitted to a hospital. The bill for this hospitalization will be paid by you unless you have civil liability insurance that takes care of all expenses.
And you don’t have to drop a tree on a neighbor’s house to get a lawsuit. Keep in mind that 36,000 people in the US died in 2017 from a fall to the ground inside a house. If the postman, instead of being bitten, slips in the driveway, you have to compensate him.
It is best to have home insurance. These include a liability policy that will help you in the event that you are involved in one of these unfortunate incidents.
Call Univista Insurance and insure your home. In addition to guaranteeing what is surely the largest investment of your life, you will protect yourself from possible lawsuits from third parties. Are we solely responsible for everything that happens inside the house?
And if your dog bites the postman, the insurance will pay for it.
