Accidents at Home

Are You Fully Covered?

California Casualty Management

The basic level of Comprehensive Personal Liability (CPL) on most homeowners policies is $100,000. You might want to ask yourself if that would be enough coverage under certain circumstances.

Many homeowners with homeowners insurance know their policy will be there to protect them in the event of a fire or burglary. But what about coverage for other, less dramatic and life-altering events?

The comprehensive personal liability (CPL) portion of your policy will protect you if your child accidentally breaks a neighbor's window, if someone slips and falls on your property, or if your dog bites the letter carrier. Accidents that occur as a result of using your home are covered under CPL.

Since CPL will protect you against life's little misfortunes, perhaps you should examine your policy to see if the levels you have on it are enough.

The basic level of CPL on most homowners policies is $100,000. You might want to ask yourself if that would be enough coverage under certain circumstances.

For example, what if a large, old, overgrown tree on you property suddenly has a major branch break? The branch, unfortunately, falls through your neighbor's roof and window, breaking not only the roof and window, but an expensive Ming vase.

What if your water heater malfunctions and explodes? Shrapnel is sent flying into the neighborhood, damaging not only your home, but your neighbors' homes and automobiles.

These examples may seem extreme, but similar claims have occurred.

It might not cost that much to increase the basic level of CPL to $300,000, $500,000, or even $1 million. The peace of mind you obtain in the process can be priceless.

NEA Member Benefits offers two homeowners insurance programs: NEA Members Auto and Home Insurance Program™ underwritten by California Casualty Management Company, and NEA Homeowners® Insurance underwritten by Horace Mann Insurance Companies. Both programs offer special features for NEA members and their families, at affordable group rates—features that may cover your college-bound child’s personal property. To learn about these programs and get a rate quote online visit our Web site:  http://www.neamb.com/insurance/index.jsp