Rental cars are covered as if they are owned by you and are afforded the same coverage as the vehicles on your MA auto policy as long as your short-term rental is being used as a replacement for your insured vehicle. Purchasing extra coverage is not usually recommended. However, my son, who lives in the city without a car or an auto policy, always buys the insurance option when he rents a car because he no longer has a MA auto policy in his own name.
Swimming pools are an obvious source of fun and potential liability. One of our clients called me recently to ask if he had to change his homeowners policy because of the installation of a new above-ground pool. I told him there was no need to endorse his policy. The liability coverage is included on his HO policy, and it will protect him should any non-family member get injured in or around the pool and bring suit against him. There will also be certain limited perils covering the pool itself against physical damage.
ATVs are fun, recreational vehicles used off-road. They typically don’t have a registration or legally require a primary liability insurance policy. ATVs are not insured under your auto policy, nor are they covered by your HO policy because they are not used to maintain your property, unlike motorized devices such as wheelchairs, tractors and lawnmowers. Those devices are covered by the HO policy because they’re used to maintain your property. One of our well-to-do clients asked if we could add his ATV to his personal umbrella policy. I told him we could not until his ATV had a primary liability insurance policy for it.
Enjoy your summer, everyone, and keep it safe.
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July 30, 2020 at 05:02PM
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Summer Fun Meets Liability Concerns - Bellingham Bulletin
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