We spend a great deal of time, money, and effort to make our homes as safe as possible for ourselves and for our guests. Unfortunately, accidents and injuries can still occur in our homes that leave homeowners vulnerable to costly lawsuits from injured relatives or visitors. In today's Aegis blog post, we'll discuss three things on your residential property that, if not properly secured, could leave your guests injured and you or your family susceptible to an expensive and lengthy lawsuit.

Swimming Pools

The addition of a swimming pool can substantially raise a residential property value, but it can also come with hazards and an increased possibility of accidents. For example, a guest could slip and fall on slick stonework surrounding the pool, or suffer an injury from a diving board or pool slide. In addition, young children could fall into the pool if there is no security fencing or pool cover in place to prevent an accidental drowning. Homeowners can protect themselves and their guests by ensuring that they have adequate pool safety features in place, and also by increasing General Liability coverage and obtaining an Umbrella Insurance policy in the event of a serious incident.

Pets

Pets can be important companions, and are even regarded by some as another family member. While pets can be docile and friendly to their owners, there is no guarantee that they won't attack or injure a visitor or guest in a home. It's not uncommon to hear of a pet attacking or injuring a postal delivery person, a service contractor, next-door neighbor, or even a young child. Homeowners should take precautions to secure their pets while visitors are in the home, even if the dog is normally very gentle and kind. It just takes one attack or injury to lead to serious medical expenses and a possible liability claim.

Weapons

Texans are known for their love of guns and other weapons, whether for self-defense, hunting, or sport. While weapons may help protect a home and its residents, weapons can also be the cause of terrible injuries and deadly accidents if not properly secured and locked away. Every year, thousands of adults and children are injured or killed by weapons left out in the open or unsecured. Homeowners should always ensure that all weapons, including pistols, rifles, bows and arrows, and hunting knives are locked in a gun safe or other storage area so they are away from young children or other adults who might not know how to use them safely.

An accident or injury in your home can be devastating emotionally, but also financially if the injured party decides to file a liability claim or lawsuit for medical costs, lost wages, and damages. In addition to adding security safeguards, homeowners can also add another layer of financial protection through quality Personal Insurance coverage from Aegis Insurance & Financial Services. The friendly and knowledgeable team at Aegis can help you get the General Liability and Umbrella Liability coverage necessary to protect against a lengthy and expensive legal nightmare if an accident occurs on your property. Contact Aegis at 713-850-7622 for more information, or complete our online form for a free quote today!