Are pandemic learning pods covered by homeowners insurance? It depends - Business Insider

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If you're hosting a learning pod, there are liability concerns so you should contact your homeowners insurance provider. Remember the back-to-school commercials with parents gleefully skipping down the aisle throwing school supplies in the shopping cart while children sulked behind and "It's the Most Wonderful Time of the Year" played in the background? This back-to-school season is different.

If the mailman slips and fall on your sidewalk, the dog bites a guest, a tree falls on your roof, or the neighbor's kid injures himself doing a cannonball in your swimming pool, homeowners insurance can protect you. However, learning pods are a new and novel outgrowth for education alternatives as a result of the coronavirus pandemic. Therefore, coverage may vary depending on your insurance provider.

Which begs the question, is your learning pod considered as a home-based daycare in your state? If so, you may need to follow state safety guidelines if you are hosting the pod in your home.

Another problem with today's society. Years ago riding a bike in neighbors driveway friends parents band aid and H2O2 on it or mecurochrome. Away you went. People are caught in riches, money over life.

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