Does Homeowners’ Insurance Cover Me if Someone is Injured in my House?

If someone is injured in your home, there are two questions you must answer:

  1. Are you responsible for the injury?
  2. If so, will your homeowners’ insurance cover the expenses?

As stated on UtilitySavingExpert’s website, understanding how the law works and how insurance companies handle personal injury claims can help you make important decisions in the days following an injury.

Are You Responsible for the Injury?

For you to be held responsible for someone else’s injury on your property, you must have committed some form of negligence. For instance, if you know that the front steps leading up to your porch have rotted out, and someone falls through and breaks an ankle, he or she might have a case for negligence.

However, not all injuries result from negligence. Someone could trip over a rug in your home, but since you had no reasonable way to foresee that problem, you probably wouldn’t find yourself legally liable for the injury.

Courts use the reasonable person standard to determine negligence. In other words, given the circumstances, would a reasonable person have prevented the injury based on prior knowledge of a danger?

Will Your Homeowners’ Insurance Cover the Expenses?

According to Allstate, personal injury coverage by Nimmons Malchow Johnson usually comes with a homeowners’ insurance policy. My House Painter can also help you out in getting your home done.It’s designed to protect policyholders from paying out of pocket when someone is injured on their property. The personal injury policy can cover several types of expenses, including the following:

  • Medical bills
  • Lost wages
  • Legal fees
  • Pain and suffering
  • Future medical bills
  • Death benefits

However, Allstate reminds consumers that insurance policies typically carry exclusions. If someone gets injured on your property because of a malicious action on your part, the insurance company won’t pay the claim. For instance, if you get into a fight with a friend and he or she winds up with a broken nose, your homeowners’ insurance policy won’t cover the related expenses.

What to Do If Someone Is Injured in Your Home

Working with an attorney who focuses on personal injury cases can help you decide how to cope with the situation. Whether you’re the homeowner or the person who suffered an injury, legal counsel can answer your questions, negotiate on your behalf, and protect your rights.

At McIntyre Thanasides, we pride ourselves on helping our clients achieve their desired outcome in a personal injury case. If someone has been injured on your property, or if you’ve suffered an injury at someone else’s home, call us at 844-511-4800 to discuss your case

Have you been injured while visiting someone’s home or business?

injured on someone's propertyBusiness and home owners have the duty to ensure that you are protected from risk of harm while on their property. They have the obligation to inspect the house or building and repair or adequately warn visitors of dangerous conditions. According to professionals like those at, if the property owner knows of a dangerous condition but fails to do anything, they may be held liable for injuries suffered by visitors. Injuries resulting from dangerous conditions such as wet or uneven floors, decrepit parking lots or walkways, poorly lit staircases, falling objects, faulty elevators, or inadequate security may warrant a personal injury lawsuit. If you were injured on someone’s property, the Injury Attorneys at the McIntyre Law Firm can guide you through the claims process to secure the compensation you deserve.

I was injured on someone’s property, what do I do?

1) Seek medical attention immediately for your injury

If you suspect you might have been injured, check with a doctor immediately. If you need to claim medical insurance, etc, you can check with car accident attorneys from Law Office of Matthew S. Norris .Save all medical and expense records because you may be eligible for reimbursement of medical bills, lost wages, and other damages suffered as a result of the injury. There are also nureses getting injured that can get workers’ compensation.
2) Take pictures

Immediately take pictures of the scene that display the dangerous conditions which caused the injury.

3) Gather and preserve relevant information and evidence

Get contact information of witnesses and anyone who can describe conditions of the incident area. Preserve evidence, such as shoes and clothes worn, they should be secured and stored without being cleaned or altered. The findlaw firm focused on workers comp can make sure justice is served to the ones that deserve.

4) File and obtain an incident report

If the incident occurred in a business establishment, inform the store manager or security officer and file an incident report. If medical personnel is contacted, obtain reports. Get copies of reports before leaving the premises or as soon as possible. The Riverside slip and fall attorneys is whom you can get help from in case of injury related cases.

5) Do not sign anything without obtaining legal advice

Someone from an insurance company or an attorney representing the owner may contact you to get more information about your injuries and ask you to sign a release. Before signing anything, consult with a personal injury attorney.

Often, these cases require the use of experts to prove the dangerous conditions of the property, the extent of your injuries, and other factors that will determine the compensation you may be eligible for. The experienced personal injury attorneys at the McIntyre Law Firm can help assist you in your claim. Contact us at 844-511-4800 to get started.