Although home insurance can cover injuries, it’s typically only up to a certain point. Most policies, however, may readily reimburse minor injuries that happen on your property for up to $5,000. Although the insurer may not admit fault, they’re acknowledging the accident that took place on the property.
Aside from that basic level of coverage, your policy may pay up to $25,000 or more for medical bills and lost wages, but only when they find that the accident is the homeowner’s fault.
More often than not, an accident is caused by a hazard in your home. Take for instance when the homeowner removed the handrail to your basement stairs and then a visitor lost their balance there, or a visitor slips on a toy on the floor. If the visitor would’ve been more careful, the accident wouldn’t happen, right? Sometimes, the insurer may take the view that it’s the visitor’s fault, thereby declining a claims-payout.
When that happens, the visitor may decide to sue you. At this point, the home policyholder should receive legal hemp from the insurer if they’re getting sued over the injuries happening in their home.
What should you do when an accident happens?
When an injury happens in your home, help your case by taking pictures shortly after the accident to document the conditions in your home. Call your insurer immediately and provide insurance information to the victim.
The Difference between a Visitor and a Worker
When the person injured in your home is a worker on duty (a gardener, roofer, or carpenter, for example), their injuries may be covered by their employers’ insurance, especially when it’s clearly their fault.
Thus if a roofer fails to secure themselves while working on your roof and falls off, you’re probably not going to be liable for it. But if it is found that you’re somehow negligent and it resulted in their injury, they can come after you.
Whether you own the house or rent, your home or renter’s insurance usually includes coverage for visitors’ injuries. If you want to protect yourself from injury-related lawsuits, consider getting an umbrella policy.
Western Pacific Insurance specializes in providing home insurance to the residents in Nevada, Utah, California, and Arizona. We have a list of insurance carriers that you can choose from. Get quoted by us and call us at (702) 932-3105 or email us here.