Monthly Archives: February 2025

Home Insurance Personal Liability Coverage: What It May Cover

Home insurance does more than protect your house and belongings—it typically also includes personal liability coverage. This coverage may provide protection if you or a family member are sued. Here’s a look at what a typical home insurance policy’s personal liability coverage might protect against.

Injuries on Your Property

If someone injures themselves on your property, personal liability may cover a potential lawsuit related to the accident. Here are a few examples of what could happen:

  • A guest trips over laundry on the stairs, falls, and sustains serious injuries.
  • A visiting family’s toddler sticks their finger in an outlet and gets electrocuted.
  • A neighbor’s child is injured on your trampoline when unsupervised despite you taking appropriate safety measures.
  • A package delivery driver hits their head when slipping on ice in the driveway, a common concern during Lakewood, CO winters.

Injury coverage is often limited to those who don’t live with you, such as visiting family, friends, and delivery drivers.

Damage to Others’ Property

If you somehow cause significant damage to someone else’s property, personal liability may cover the cost of repairs.

This could theoretically involve a child breaking the neighbor’s window with a baseball, although a broken window probably doesn’t justify a home insurance claim. A much more serious situation would be if your house in Lakewood, CO, caught fire and spread to the neighbor’s roof or yard.

Defamation Claims

Defamation includes both libel (written) and slander (spoken). These are false statements that you make which significantly harm another party.

Personal liability often covers defamation lawsuits, including legal fees and any settlement. We at Colling Insurance Services Inc. can provide more details about this aspect (or any aspect) of personal liability coverage.

Ensure You’re Protected

In today’s litigious world, personal liability coverage is especially important. Contact Colling Insurance Services Inc. for help ensuring you’re adequately protected.

Everything You Need to Know About Car Fires

Car fires are more prevalent than you might think, with over 100,000 incidents reported yearly. These fires can cause significant damage and pose serious safety risks. Therefore, it’s crucial to understand their causes, prevention methods, and what to do if one occurs. At Colling Insurance Services Inc. in Lakewood, CO, we’re here to help you stay informed and protected.

What Causes a Car Fire?

Car fires can originate from several sources, but mechanical and electrical issues are among the most common. Faulty wiring, overheating engines, and fluid leaks are all potential fire hazards. Fuel system leaks are particularly dangerous, as gasoline is highly flammable. Collisions can also lead to fires, especially if the impact damages the fuel tank or electrical system. Even something as simple as improperly stored flammable materials in your car can ignite a fire under the right conditions.

Preventing Car Fires

Regular vehicle maintenance is the key to prevention. Promptly address warning signs like unusual smells, smoke, or fluid pooling under your car. Always respond to dashboard warning lights immediately, as they may indicate a problem. Avoid overloading electrical systems with aftermarket installations unless a professional does them. Keeping your car clean and free of unnecessary flammable items can also reduce risks.

What to Do if a Fire Breaks Out

If your car catches fire, pull over safely, turn off the engine, and evacuate everyone immediately. Move far away from the vehicle and call emergency services. Never attempt to extinguish the fire yourself—your safety is paramount.

At Colling Insurance Services Inc. in Lakewood, CO, we’re committed to helping you stay protected. Contact us today to review your auto insurance policy and ensure you’re covered for unexpected events like car fires.