Home Injury Claims and Home Owners Insurance

Home owners liability insurance is a necessary financial expense for all home owners, for a variety of reasons. A comprehensive liability policy is simply the only means of protecting you from personal liability in the case of injuries to persons while on your property in the case of an injury such as a dog bite, a property injury, and even a pool injury.

Coverage from Home Owners Liability Insurance for Injuries

Any comprehensive home owners liability insurance policy will provide you with coverage for any unintentional injuries to others while on your property. This means that if it is found that you acted negligently in some way, i.e. that you didn’t warn a guest about your dog’s propensity toward biting people, or failed to keep your pool fenced in with a locking gate, thus causing a pool injury, then your insurance company is likely to pay at least a portion of any home owners insurance claim with respect to any resulting injuries. Liability insurance also typically covers harm caused by your children and pets, with the exception of intentional actions of your child over the age of thirteen.

What Home Owners Liability Insurance Will Not Cover

Any home owners insurance claim is likely to be denied, however, if you have acted so as to intentionally cause injuries to another person while on your property. For instance, if you purposely shoot another person on your property, your home owner’s insurance policy will not provide coverage for any injury; liabilities resulting from your intentional acts will be solely your responsibility. Home owner’s insurance also doesn’t usually cover claims by family members, diseases that you or your family pass onto another person, or people who are injured while visiting or working for your home-based business, including a daycare.

Help from a Personal Injury Attorney

If you are questioning whether your home owners insurance liability policy will cover the costs of injuries to another person, or if your home owners insurance company has denied a claim for injuries, you should contact an attorney experienced in these matters for assistance. An attorney will be able to evaluate your situation in light of applicable home owners insurance coverage, and advise you as to the best steps to take in such a situation.

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