How Insurance Protects Homeowners That Were Target of Personal Injury Claim

Homeowner’s insurance covers the medical costs that would arise, following the administration of treatment to any injuries sustained by a guest. The best policies offer extensive coverage.

Extent of coverage provided to homeowner

• Money equal to the total amount paid for all of the guest’s medical bills.
• Reimbursement for the guest’s lost wages
• The estimated value for the injured guest’s pain and suffering
• Money to cover any other damages
• Insurance company provides homeowners with an attorney if an injured guest initiates a lawsuit.

Are there limitations to the coverage provided by the homeowner’s insurance policy?

Some policies include what is known as an umbrella provision. That protects the policyholder from the possible consequences, if some injured guest were to seek a huge amount of money, as compensation. The umbrella provision becomes effective, if the demand from a plaintiff exceeds the limit that has been stated in the homeowner’s policy. Once the umbrella provision has become effective, the insurance company is obligated to provide the policyholder/homeowner with enough money to cover the guest’s huge demand, as per Injury Lawyer in Hamilton.

Not all policies come with such a provision. Smart homeowners contact their insurance company, in order to discover whether or not their own policy comes with the added umbrella coverage.

What sort of injury would not be covered by a homeowner’s policy?

If some guest were to be harmed by the host’s (homeowner’s) intentional act, then the insurance company would not cover the costs associated with treating that same injured individual. Any act that could harm someone passing by the home could also introduce the need for treatment of a medical problem. Usually, an insurance company would refuse to cover the costs for such treatment. What sort of act might harm someone passing-by?

In colder climates, an effort to drain water onto the sidewalk, rather than the home’s lawn, could qualify as such an act. When the temperatures would drop in the winter, the water on the sidewalk would freeze. Then anyone stepping onto that frozen surface might slip and fall.

Anyone that owns property in an area where hikers like to travel the trails should note the limitations of coverage for property owners, with respect to the owner’s intentional acts. The owner of a piece of property might want to keep people off of the trails on his or her land. Hence, that same owner might decide to construct some type of barrier.

If the construction of that barrier got accompanied by the placement of a “no trespassing” sign, then any future hikers would be uninvited guests. In the absence of such a sign, a hiker that became injured while trying to surmount the constructed barrier could sue the barrier’s maker, the property owner.