As a homeowner, it’s essential to understand what your home insurance protects you against. Most home insurance policies cover slips and falls on your property. However, every policy is different. The agents at Carr Insurance Group in Maryville, TN can help you review and optimize your policy.
Slips and Falls Covered by Home Insurance
You aren’t liable for every slip or fall on your property. Typically, you’re responsible if your negligence caused the accident. A random fall due to someone losing their balance might not fall on your shoulders. However, if a guest falls on the stairs due to ongoing construction, you would be liable for injuries and related expenses. A representative at Carr Insurance Group can help you understand specific examples where you would be responsible and ensure that your home insurance covers likely scenarios.
How Does Home Insurance Work for Slips and Falls
Home insurance covers legal defense and the payout if someone brings a slip and fall suit against you. You are only responsible if the court decides your negligence caused the fall. If someone trips over their shoelaces, they can’t sue you for medical damages. However, if your loose carpet or wet floor causes them to slip, you may be held liable.
Examples of slips and falls most home insurance covers:
- Slip and fall on an unshoveled driveway
- Guest tripping over a skateboard concealed by clutter
- Fall due to a loose floorboard
- Visitor trips over poorly maintained tree roots in your yard
Medical Payments Home Insurance
The medical payments portion of your home insurance can pay for emergency medical expenses without determining who was at fault. This would cover you without involving a lawyer or adjuster.
Contact Carr Insurance Group in Maryville, TN to find out more about your home insurance or to set up an appointment for a free quote.