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Does Homeowners Insurance Cover Personal Injury?

By Karnas Law Firm |

Will another individual’s homeowner’s insurance cover your injury’s emotional and physical expenses if you are hurt in their household? A home insurance policy may cover a personal injury, but only to a certain extent. It is best to talk to an attorney as soon as possible. However, most people get homeowner’s insurance without understanding what it covers or how it works.

What Is Personal Injury On The Part Of Homeowners?

A basic homeowners policy covers personal liability for accidents, which happen on your premises or are triggered by pets or family members off your property. It might be a monetary lifesaver because medical expenses can rapidly add up. If you are sued, the personal liability element of your homeowner’s insurance will pay the expense of defending yourself.

Invasion of privacy, wrongful eviction, arrest, defamation, and slander are examples of personal injury issues generally not covered by a typical homeowner’s insurance policy. However, a personal injury endorsement on your homeowner’s policy can cover any psychological injuries you may be sued for.

A property owner is not required to inspect for faults or to alert guests of disguised hazardous conditions that they are unaware of. They do have a responsibility to correct recognized flaws or, at the very least, to issue a warning. Although liability coverage is not required, it is unusual to encounter a policy, which does not incorporate some liability coverage.

Ensure you thoroughly check your homeowner’s or renter’s insurance coverage to know exactly what is and is not covered. If you are not adequately insured, a mishap or accident can swiftly place all of your assets in danger.

Who Is Protected?

Typically, your insurance will cover anybody who is deemed as family and resides in your house. This includes your partner, parents, children, in-laws, and anybody who serves in your household, like nannies. Your homeowner’s policy does not protect tenants; thus, if you rent out your property, ensure your tenant obtains renter’s insurance to protect themselves.

Essential concerns when purchasing homeowner’s insurance include:

  • Dog bites
  • Slips
  • Trips
  • Falls 

For instance, if your dog bites a youngster who wanders into your driveway, you could potentially file a claim with your homeowner’s insurance because an injury occurred on your property. But to decide if you have a claim, you must always consult with a competent attorney.

In addition, your home’s automobiles are not protected by homeowner’s insurance plans. A neighbor’s child could toss something at your parked car, causing damages to the window, etc. Even though the vehicle is in your yard, it will not be protected by the homeowner’s insurance. You can file a claim with your automobile insurance company.

Contact Karnas Law

Your home insurance coverage is unlikely to cover injuries caused by an intentional act on your behalf. This is so, particularly if the injured person was at your premises with your permission.

Ultimately, every homeowner’s coverage does have its own set of limitations that differ by policy. Therefore, you must determine what yours are. Employ the expertise of an expert Car Accident Attorney to learn more.

Call Today! (928) 723-0088

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