With only two weeks until Christmas, Santa has been pulling a lot of late nights in the Toy Factory. In fact, he’s been so busy at work, that he hasn’t finished the to-do list that Mrs. Claus left him. Sure, he dropped off his good red suit from the cleaners, but he didn’t shovel the front porch like she asked.
On most days, that would be okay. Unfortunately, with the warm days and cold nights, the snow melted and refroze into a solid sheet of ice overnight. When Edgar the Elf came to visit him, he slipped and fell. Donner rushed him to the North Pole emergency room. The damage: a broken arm, a sprained knee, and a bruised Christmas spirit.
To pay for the medical expenses, Edgar filed a law suit against Santa. Fortunately, Santa raised his limits on his personal liability last year and his homeowner’s policy provided sufficient coverage – no extra expenses for Santa this month.
However, had Edgar broken his back, Sants’s homeowner policy would not have had enough coverage. He is going to call his agent and get a quote on a personal umbrella policy that would give him even more personal liability coverage.
Do you know how much coverage your homeowners policy is providing for you? Is it enough to cover medical expenses should someone be injured on your property? Do you have an umbrella providing extra coverage for both you and your family?