As Albuquerque heats up, so do backyard BBQs, pool parties, and spontaneous gatherings with friends and family. While summer fun is something we all look forward to, it also comes with added responsibility for homeowners. With more people on your property, it’s important to ask: Do you have enough liability coverage in your homeowners insurance policy?
Accidents can happen in an instant—but the financial impact can last for years. Whether someone slips on your wet patio or a neighbor’s child is injured while playing in your yard, liability insurance can be your safety net.
If you’re unsure what your policy covers, it might be time to request a fresh insurance quote Albuquerque NM families can trust.
What Is Personal Liability Insurance?
Personal liability is part of your homeowners insurance policy. It helps cover:
- Medical bills if someone is injured on your property
- Legal costs if you’re sued due to an accident
- Property damage you may accidentally cause to others
This coverage follows you—not just at home, but also in certain situations away from your property. That said, most claims tied to summer gatherings happen right in your backyard.
Why Summer Is High-Risk for Liability Claims
Here’s what makes summer a key time to check your coverage:
- Backyard Gatherings: If a guest trips on uneven pavement or burns themselves on a grill, you could be held liable.
- Swimming Pools & Trampolines: These are considered “attractive nuisances” and carry higher liability risks.
- Alcohol at Events: If you’re hosting and serving alcohol, you could be partially liable for actions your guests take after they leave.
- Kids and Pets: Increased traffic in and out of your home, along with energetic kids and curious pets, increases the chance of unintentional injury or damage.
How Much Liability Coverage Do You Need?
Many standard homeowners policies come with $100,000 in personal liability coverage—but that may not be enough if someone sues you for a serious injury. You may want to increase your limit to $300,000 or more, depending on your property, lifestyle, and risk level.
If you host often, have a pool, or own pets, you might also consider an umbrella policy for extra protection beyond your base coverage.
Hosting This Summer? Here’s What to Do:
- Review your current policy’s liability limit
- Add or increase medical payments coverage (to help with smaller injuries)
- Secure pool areas, BBQ grills, and walkways
- Talk to your agent about the right level of protection
Peace of Mind Starts with a Quote
At ABQ Insurance, we want you to enjoy summer without worrying about what could go wrong. A quick policy review can help make sure you’re fully protected before your next gathering.
Need a fast and affordable insurance quote Albuquerque NM homeowners can count on?
Call 505-217-2100
