Am I Liable for Accidents That Occur on the Sidewalk in Front of My Home?

The agents of The Select Insurance Agency serve residents who live in or near Coppell, TX. Many residents inquire about the sidewalks in front of their homes and what their liability is as homeowners. While they do not own the sidewalk, it is an extension of their property and they do bear some responsibility in terms of general liability. Calling an insurance agent will help you determine your risk and how much coverage you may need.

Keep Sidewalks and Walkways Free of Debris

It’s important to keep your sidewalks and walkways free of debris. Toys and lawn waste can pose a tripping hazard which can result in injuries. The sidewalk is not owned by the homeowner, but because it runs through their property, it is up to them to keep the sidewalk clean and free of debris.

Necessary Repairs

If the sidewalk begins to crack or need repairs, the homeowner may have to call the municipality to arrange for repairs to be made. This is the best way to make sure the repairs are made properly.

Have Sufficient Liability Insurance

All homeowners should have sufficient liability insurance in place to cover any medical expenses or property damage that may occur on or near their property. Liability insurance is part of most home insurance policies, but you may want to increase your coverage if you feel the need to do so.

Coppell, TX residents can always turn to The Select Insurance Agency and its agents if they have questions about their home’s liability coverage and accidents that occur on the sidewalk. Call and make an appointment if you have questions and need answers to important insurance questions.

What is Comprehensive Coverage?

You know you need to have auto insurance, but how much do you really know about what you’re buying? Most people are surprised to learn what comprehensive coverage is and why having it is so important. Our team at The Select Insurance Agency in Coppell, TX has put together this brief guide to help you out.

What Does Comprehensive Typically Cover?

Comprehensive coverage is considered a first-party coverage. This means that it pays to fix repairs on your vehicle in the event of a fire, storm, or animal incident. Most policies also have provisions for theft and vandalism, too. A comprehensive claim is not considered at fault, but you would still be subject to your deductible at the time the repairs are made.

Here’s an example of a comprehensive claim. Let’s pretend you’re driving in your car and you come upon a deer in the road. There’s no place to go and swerving to miss it is too dangerous, so you hit the animal and cause extensive damage to your vehicle. If you have comprehensive on your policy, the damages would be handled by your auto insurance.

Is Comprehensive Coverage Required?

This is a big question that a lot of people have. No, comprehensive coverage is not required by law. However, if you have a lien on your vehicle and are still making payments to a lender, they can require you to have the coverage. The reason why they do this is that they want to protect their interest in your car. If they were to ever repossess your vehicle, they want to know that they can use your coverage to fix any issues associated with a covered claim.

Are you looking for quality auto insurance in Coppell, TX? Please get in touch with our team at The Select Insurance Agency to schedule an appointment.