Dad throwing a child in the airMany people wonder if their home insurance would cover any injuries they received at home. After all, it is not only guests and visitors who can get hurt in your home. The same risks that await non-residents also await you and your family members. There is a significant difference, between which insurance pays for when you get hurt at home and when a visitor gets hurt in your home.

Understanding Homeowners Liability

As a home owner, you are liable for many of the injuries a visitor can incur in your home. In the event that an invited guest or unexpected visitor should be injured in your home through no fault of their own, your homeowners insurance would likely pay medical expenses and damages. It could even pay for lost wages if the injury resulted in the person being out of work.

When it comes to injuries, your homeowners insurance only covers your liability as a property owner. So if you or one of your family members is injured at home, it would be your medical insurance rather than your homeowners insurance that would pay for those injuries.

When Homeowners Insurance Doesn’t Pay

Are there any visitor injuries that your homeowners insurance would not pay for? If someone was in your home acting in a reckless manner and you had no way to stop an incident, and their behavior causes an accident, then you would probably not be liable for that injury. However, if someone acting in a normal capacity is hurt in your home—even from something that was not the result of any negligence on your part, you would likely be responsible.

Avoid heartache and save money by having a home free of threats to health and safety, as this will help to avoid insurance claims and keep your family and friends safe.  And although you can never create a completely risk-free zone, diligence and attentiveness can work together to help you remove the most obvious threats and cut down in the opportunity for injury that much more.

Get a quick Norfolk home insurance quote today from your independent agent Salzberg Insurance Agency or call us at 757-583-1828.

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