Mr. T, I'm glad you said that because that was my understanding also. I decided to call my agent / ex brother in law and he said that I should add a small unit--called (a bunch of numbers and letters) to my home owners policy that covers lawn mowing and snow removal. $300,000.00 liability for about $30.00 a year.
He just told me that most folks assume with insurance, and if they don't check on it they assume the problems will take care of themselves. Most folks are over their heads with insurance, so rather not bother with it. He went on to explain that is why attorneys are so many in numbers. He said that the money the homeowner spends on a attorney for one law suit against a insurance company would have given them the coverage to protect them for a long long time.
He also comented, do ya think that policy hasn't been reviewed a few times in the past? And do ya honestly think that a few good ol boys just sat down one afternoon and designed the policy? Almost every word is placed to protect the insurance company if you can truley understand its total intent. Said most attorneys can't read a policy and come up with the legal meaning of its contents. It is tried daily, and insurance companies have lots of attorneys that deal with nothing but insurance. So guess who wins most of the time?
My guy said few folks ever try to understand it, and no one agent can explain the coverage, and non coverage in a hour that it takes to sell the average policy.
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