Insurance uncertainty...

I'll try to keep this as brief and coherent as possible: My wife has a cleaning lady come once a month, primarily to do all the nitty gritty hard cleaning. The girl does a good job and is relatively cheap. The other afternoon I notice that our vacuum is a little f***ed up--the handle keeps falling down, which isn't the end of the world, but something that shouldn't happen if it's treated properly. Later, I also noticed a small ding in one of our walls. Nothing big, but something I'll eventually touch up. All this got me to thinking about whether this girl is insured and/or bonded. I explained to my wife that I was concerned about would happen should she stick the end of the vacuum through the TV, or worse, fall down the stairs and break her neck? It turns out she isn't bonded OR insured. She's just a hard-working Polish girl trying to make a living. The woman who referred her to us tried to assuage us by telling us she's not the type of person who would ever file a suit against a home owner. Famous last words. Anyhoo, I called my insurance agent to discuss, and he told me a few stories of ridiculous settlements and basically nobody ever really knows these days. The good news was I was able to up my liability coverage from $500K to $1M for only $18/year more! So I did. But in this day and age, I still kind of feel a little vulnerable, but like that she's a hard-working gal trying to make something of herself. I don't know, am I over-thinking it?

 

I asked about that. He said that not only wouldn't it be worth anything, it could actually work against me by implying that I knew of a pre-existing hazardous condition. Go figure.