What Are the Risks with Hosting a Yard Sale?
When anyone comes to your home or steps on your property, you become responsible for their safety. If they fall or otherwise suffer injury, you can be financially responsible for the losses they incur. Most people do not visit a yard sale to purposefully cause an injury like this. However, it can happen randomly for several key reasons. Especially at a busy sale, the number of people and the amount of merchandise present could put you at risk.
How to Avoid Home Insurance Claims
Home insurance commonly covers injuries to those people who visit your home. This includes accidents in your garage and your yard. However, it is best to find ways to reduce the risks to visitors instead of just having a backup plan.
Here are some tips to help you do that:
- Make your pathways trip-proof. Be sure there are no areas of uneven concrete or edges of lawn debris that someone can trip over.
- If people need to walk up stairs, be sure there is a railing. Also be sure nothing is near the steps. Do not hinder their access to the steps.
- Organize items well. Keep items off the floor when possible. If there are larger items on the floor, be sure to place them under a table. Or, mark sure there is plenty of walking space between items.
- Don’t overcrowd the sale area. It is easy to place a lot of stuff out there. However, if there are too many items, they could fall over or cause falls. You do not want to place objects in the way of elbows either.
- Make sure not to sell anything that is unsafe. A broken electronic item or a toy with small parts can be a high-risk item.
If you are unsure about an item, do not sell it. If someone suffers an injury, call your home insurance agent to provide information. Your agent can provide insight into what steps you need to take to file a claim. They can work directly with the person who falls to do this if it is necessary.