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Garage Sales Dos & Don’ts…

That’s it — the last holiday gift is unwrapped and there is no place to store it! If one of your New Year’s resolutions is to clean out what you no longer use and have a garage sale, be sure to take these helpful Dos and Don’ts into consideration.

DO

DON’T

If you have some items that did not sell, be sure to donate them to a non-profit and ask for a receipt. Most donations qualify for a tax deduction in the calendar year that you file your taxes.  However, if you are holding onto items because you have frequent yard sales be aware that your homeowners policy excludes liability claims that arise out of, or in connection with, a business.

Do you have so many sales that it is a profit-making venture?  Check with your agent to see if purchasing a separate business liability policy would be a good way to put this concern to rest. The Insurance Information Institute provides guidelines for determining the coverage you need.

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