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Yard Sales Pose Potential Liability Risk, AAA Says

It’s yard sale season in New Jersey. The warmer temperatures are giving homeowners the chance to clear away the clutter and make a few bucks at the same time. However, these innocent sales on one’s driveway or walkway don’t come without the potential for danger. AAA has released insurance advice to help customers mitigate their “yard sale liability risk.”

Daniel Lobo, Flickr

“It’s imperative for homeowners and renters to protect themselves with adequate insurance coverage, especially in a situation where strangers will be on the property such as a yard sale,” said Sue Madden, spokesperson for AAA Mid-Atlantic in Hamilton, New Jersey.

To help minimize homeowners’ and renters’ risks of holding a sale, AAA said homeowners or renters insurance is a must.

“Most standard home and renters insurance policies will generally provide at least $100,000 of liability coverage,” AAA said in a press release. Note the “most” in that statement. Madden said not every policy covers liability costs.

Madden continued, “Homeowners who have frequent yard sales might want to get additional insurance.” It would be wise to purchase a separate policy for business liability or an in-home business policy.

AAA also suggested some precautions for New Jerseyans, so injuries don’t occur in the first place.

Do keep pets indoors, for their safety and the safety of others. Dogs with a prior biting history or with ancestry classified as vicious are typically excluded from insurance coverage.

Don’t sell items known to be hazardous or unsafe, such as recalled items.

Do allow enough space in between items to prevent tripping or falls.

Don’t place items too close to stairs and ledges where people could fall.

Do keep sharp objects such as knives and scissors out of reach of children.

“You want to take a lot of precautions if you have a lot of people on your property because injuries can happen,” Madden said.

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