The mailman slips on your icy sidewalk while delivering mail.  Your son's visiting friend slips on your snowy front steps and breaks their wrist.  The mover injures himself when he slips on your back deck while packing your lawn furniture.  Are you as the Owner responsible?  Will your Homeowners Insurance cover the expenses.  These are questions each property owner should ask themselves and then check with their insurance agent to make sure of the answers.  Realty Times has an article on this subject that has some lessons for us all.  CLICK HERE to read the article.

This is a great time to get to know your insurance agent.  They should be more than willing to answer any questions you have regarding your liability.