Skip to Content

Safeguarding Your New Home Against Personal Injuries & Other Liabilities

Owning a home is a considerable accomplishment and comes with countless benefits. However, it also comes with some drawbacks, such as carrying liability for accidents that cause harm to persons that are on your property legally.

While you cannot completely avoid accidents at home, you can do several things to uphold the safety of your home and minimize the chances of accidents happening and, ultimately, liability.

This article highlights possible ways of safeguarding your home against liabilities arising from injuries on your property.

Get Home Insurance

No home can be 100 percent safe. So carrying home insurance for your property is a good idea. Besides protecting your home from possible damage by perils such as fire, water, hail, lightning, and theft, home insurance can help shield you from liability when a person gets into an accident and suffers injuries within your property.

You may recover compensation if you have suffered harm on private property due to an accident. But the process of getting compensation can be a little complicated. So, it’s best to consult legal experts such as personal injury lawyers for help on the right steps to take to ensure you recoup the compensation you deserve.

Even with a proper insurance policy in place, you may still want to ensure that your property is safe because the more claims are made against your home insurance policy, the higher your premiums will go. The good news is that there are several things you can do on your property to ensure it is incident-free and minimize liability:

Clean Up Spills

Spills are the main cause of slip and fall accidents, so you want to ensure that you clear spills as soon as they appear.

Clearing spills not only helps ensure that you or the members don’t get into a slip-and-fall accident but also ensures that your guests are safe, minimizing liability.

Secure Rugs

Rugs are a great addition to the home. They help add to its aesthetics and serve as an insulator when the temperatures are relatively low and you want to save money on your heating bill. However, rugs and sleek floors can be a significant hazard.

So you may need to ensure that your rugs are secure. The best way to ensure your rugs are safe is to go for rugs with non-skid pads. Alternatively, you can use double-sided tape to secure them on the floor.

Restrain Aggressive Dogs

There are many reasons why a property owner may want to have a dog. To some, their main reason for keeping one is security. Dogs kept for security purposes tend to be aggressive.

If your dog bites a person on your property legally, you could be liable for damages resulting from the dog bite. So if you have people coming to your property, it is best to ensure that you restrain your dog. Also, you may consider putting up aggressive dog signs on your property to warn visitors.

Cover Swimming Pools

Drowning is a significant threat to children. If you have a swimming pool on your property, it’s always best to ensure it is covered unless it is in use and there is adult supervision.

You may also consider restricting access to the pool if covering it is not an option. For example, you could erect a fence and keep the area locked.

Clear Paths and Driveways

Debris on your driveway, parking, and paths around your home can cause your visitors to trip and suffer injuries. So you want to ensure that you get rid of all debris on your property.

Also, ensure that you control snow build-up on your compounds to reduce the chances of slip and fall accidents.

Jeff Campbell