does the homeowner insurance liability covers the homeowner also or just visitors only?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Nov 1, 2016
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Mountain House, CA
Asked on 11/01/2016
does the homeowner insurance liability covers the homeowner also or just visitors only? what if the homeowner died in his own by tripping from the stairs and died,
Answer given on January 01, 2017
Homeowner liability coverage protects the homeowner and residents against legal action for negligence or accidental injury. This would not protect the homeowner if they tripped or fell in their own home, even if there was some sort of negligence involved with the fall. In insurance, you cannot sue yourself for negligence, nor can you sue a family member who lives with you.However, if the stairs were improperly designed or built by a contractor, you could file suit against the contractor for the injury caused or the death of the homeowner. Unless the home is rather new it is unlikely you would know who built the stairway and it would be very difficult to file such a suit.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.