Personal Injury At Home – Will Home Owner’s Insurance Cover The Claim?

Is the personal injury accident that happened at your home covered under your homeowner’s insurance?

When does a homeowner’s injury liability policy cover a personal injury that occurred at home?

If someone else was injured at your home, what does your homeowner’s insurance policy cover?

When someone is injured at your home (a third-party claim), your homeowner’s insurance should:

• Provide you with a defense in the event of a lawsuit
• Cover medical expenses, lost income, emotional pain, and any other damages, up to the total of your coverage

What must the injured party prove in order to be awarded damages?

Depending on the injury, the injured party must prove that the owner of the property was negligent, that the owner intended to cause the injuries, or they must prove that there was strict liability. If the victim was injured intentionally, then the insurance will not cover the claim.

When a personal injury claim at a home arises, the homeowner’s insurance company must be notified immediately.

What if a trespasser is on your property?

If you are unaware of a trespasser on your property, you have no duty of care to the trespasser. If they slip on wet floor, you should not be liable.

What if a trespasser injures you on your property?

Your homeowner’s insurance company may cover your medical expenses, lost wages, pain and suffering, and other damages that occurred due to injuries from the trespasser.

For more information, send us a message.