So let's say that you dig a large hole in the front yard so you can plant a new tree. You walk away for a moment and while you're gone the kid next door runs through the yard, falls in the hole, and breaks his ankle.
Unfortunately, you could be held responsible. But not to worry, your homeowner's liability insurance is made for these kind of situations. It will pay if someone is injured on your property. It's the coverage that protects you if the dog bites your child's friend (as long as it's not a restricted breed) or if your cousin falls down your front steps.
If you have a large number of assets (stuff), then you'll want higher liability coverage. If the injury exceeds your liability coverage amount, then you could be sued for the difference.
Work with your agent to determine the amount of coverage that you are comfortable carrying.No one can protect themselves by just being careful alone. There are too many possible scenarios that you could never foresee. But with the right insurance coverage, you'll never have to worry.
Call your local Minneapolis / St. Paul agent or call me at 612-217-0157 to schedule a no obligation consultation and quote.