What happens if someone gets injured on your property?

Does homeowners insurance cover someone getting hurt on your property?

Personal liability coverage on your homeowners insurance policy may help pay for injuries and legal fees that result from an injury to another person on your property if you're legally liable. If someone gets hurt on your property, they may be able to sue you for the cost of their medical bills and other injury-related costs, including attorney and court fees.

However, if the injured party does not sue you, your homeowners insurance can still help by paying for the medical costs associated with the injury, up to your policy's limit. Medical payments to others coverage helps in cases when someone is injured on your property regardless of fault – unlike your liability coverage which only helps if you're legally liable for the injuries.

How does personal liability coverage help when someone is injured?

If an accident occurs on your property and you're liable, your personal liability coverage may help with medical bills or death benefits, up to the limits of your policy. Similarly, if you are injured on someone else's property or at a friend's house, their personal liability coverage may cover your injuries if they were liable .

Are you liable if a kid gets hurt on your property?

You may be legally responsible if a child gets hurt on your property. While a child's status as an invited guest or trespasser will be considered, you're responsible for securing and safeguarding your property, including trampolines and swimming pools, to prevent harmful conditions that can cause an accident. In some cases, trespassers have little protection. However, a young child may not understand the risks of entering your property. It's important to eliminate any attractive nuisances or take extra precautions with potentially hazardous conditions to avoid physical harm that those conditions can cause.