Although a garage sale is a good way to earn extra money for unwanted items in your home, it could turn into a potentially damaging lawsuit if someone gets hurt while shopping on your property.
To determine whether you are adequately covered under your policy, use the following guidelines:
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If your garage sale is a one-time event for the sole purpose of selling unwanted items, your homeowners policy will provide liability coverage.
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If your garage sale is a regular money-making event, your homeowners policy may not apply.. because this is a business.
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If you are planning a neighborhood yard or garage sale and plan to make a profit, then you may not be covered.
However, if the event is used to raise money for a charitable organization, the yard sale may by covered.
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If your garage sale is being sponsored by an organization with the intent to make a profit, you must first check the liability coverage of the organization.
For example, a church is likely to be covered under its insurance policy. However, smaller organizations may not be covered.
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If you decide to sell your unwanted items at a flea market or swap meet, your homeowners policy probably will not apply.
Check the liability coverage of the flea market or swap meet.
We recommend you take the time to review your policy coverages with your agent or broker.
It's also important to shop your insurance premium and coverages to see if you have the best available...
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Insurance
needs are different for each and every client that we
serve. We realize that at times we are judged by
the company we keep. We continually evaluate new
companies that may be an asset to your business or
personal security..
