If the weather outside is frightful

As a homeowner, you are responsible for snow and ice removal from your sidewalks and driveway. If someone slips and falls on your snow or ice-covered sidewalk or driveway, you can be held liable for their medical bills, lost wagers and pain and suffering.

Your homeowners policy comes with liability insurance as part of the contract.

“Liability insurance will not only pay if you are held responsible, but also find and pay for an attorney if the injured person sues you,” said Tod Aronson, AAI, CIC, CPIA, CISR, and president of E. R. Munro and Company. “There is no deductible and you are protected from having to pay money out of your pocket.”