Wednesday, June 26, 2019

Home and Property Liability: Who’s at Fault?

Home and Property Liability: Who’s at Fault?


Home and property liability is dependent on the situation and circumstances surrounding the injured individual. Homeowner’s insurance provides financial coverage to policy holders who face losses up to a specific limit on the actual policy. To collect on those injuries, a person must determine who is at fault before receiving financial compensation for their pain and suffering.

Liability Insurance

Similar to vehicle insurance, the liability section of a homeowner’s policy covers the individual in case of an unintentional accident or occurrence, and it causes harm to someone or their property, while they are on your premises. A woman in New York City suffered a brain injury from a slip and fall accident that resulted in a $12 million settlement. Upon striking the pavement, the women lost consciousness and suffered life altering injuries. In this type of incident, research on a local site like would offer the injured person or their family a way to determine what to do next.

Covered Situations

Liability insurance coverage can be far reaching and extend to items such as a loose patio brick that causes a guest to fall. It can also cover a pet that may have caused an injury by biting a guest. However, the dog must be listed on the policy and have no prior history of vicious behavior.

Natural disasters are also covered and can include a fallen tree on a guest’s parked car in your driveway. Liability insurance may also cover natural disasters, such as a windstorm that blows loose or weak items on a visitor’s car parked in your driveway. If the damage was caused by Mother Nature’s wrath, it will probably be covered.

treeoncar Home and Property Liability: Whos at Fault?

If a guest falls or slips on a wet or slick substance, it must be proven that the homeowner failed to clean up the mess or they were responsible for the spill in the first place. Intentional injuries are not covered and a homeowner that gets into a fight on purpose and pushes the guest to the ground will find that they are solely responsible for any injuries, and it’s not the responsibility of the insurance to pay the claim.

If a business is run within the home, you’ll need a separate liability policy in addition to your homeowner’s for businesses such as child care, doggie daycare and pet sitting services.

Determining Liability

If an injured party was not supposed to be on the premises at the time of the accident, the homeowner should not be held liable for the injuries or harm that they sustained while on their property. If an accident is caused by a property that is negligent in the maintenance and upkeep of the dwelling, the homeowner should be held liability for the damages or injuries sustained to the victim.

Considerations and Limits

The standard limits for liability and protection is at $100,000. You can increase your policy to $200,000 to ensure that any injuries or expenses are covered by your insurance company. Liability insurance offers protection and provides financial compensation to the party that proves that they were injured at the neglect of the policy holder, without bankrupting the homeowner.

Liability for injuries can be difficult to determine. An attorney and a court of law may have to get involved to determine fault, especially when the injuries are serious and permanently debilitating to the injured party.

Homeowner Nickey Williams contributes this article to those needing quick answers to liability concerns. Locating additional information on liability is easily found at You will also find attorneys there who are experienced and concerned, and are keen on property matters as well.

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