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In Touch With 21st - June 2014

Make a little money, have a little fun — and make sure you’re covered

What you need to know about insurance when you have a garage sale

Yard sale, tag sale, garage sale … whatever they are known as in your area, are very popular events during the spring and summer months. These types of sales are a good way to clear out your home or garage, make a little green and provide a second life for your possessions. But what if someone trips and falls in your yard during your sale? You could be legally liable. So before your sale, make sure you have an appropriate amount of liability coverage.

Here’s what’s generally covered

Both homeowners and renters policies typically provide liability insurance that covers against lawsuits for bodily injury or property damage that you or your family members are legally liable for. Yard sales that are one-time events for the sole purpose of selling unwanted personal items are generally covered under a standard homeowners or renters policy. However, it’s best to play it safe and be smart. Make sure you’re covered in advance of your sale and be sure you have the amount of coverage you want.

Plan your sale with safety in mind

Here are some tips from the Insurance Information Institute (I.I.I.) that may help you plan for a safer sale1:

• Repair any loose railings and cracked concrete.

• Be sure there is enough space among sale items to move about safely.

• Don’t place items too close to stairs or ledges.

• Keep sharp objects out of the reach of children.

• Don’t sell items that are unsafe or hazardous, including recalled items.

• Keep your pets indoors during the sale.

• If someone is injured, get them medical attention as soon as possible.

Safely hold your sale

Minimize risk and maximize profits — plan your sale with safety in mind. Before you put out your signs be sure you have the insurance coverage you want. We’re here to help. Happy selling!

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