does the homeowner insurance liability covers the homeowner also or just visitors only?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 1, 2016

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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.

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