Injuries incurred in premises liability cases can be significant. Luckily, most homeowners’ insurance policies cover slip and fall injuries. As a South Carolina slip and fall accidents attorney, I created some basic understanding of how your homeowner’s insurance can cover slip and fall injuries if they were to occur.
Understanding Basic Homeowners Insurance
Your homeowner’s policy covers four traditional areas:
- Your home’s physical structure
- Your personal belongings inside the home
- Liability protection
- Coverage for additional living expenses
The primary focus here is liability protection. Most homeowners are unaware of whether a claim or a defense of a claim will be covered should a slip and fall occur on your property.
Common Liability Claims
There are many types of liability claims protected under a homeowners insurance policy. But the most common are:
- A guest slipping and falling
- Tree branches fall and cause damage to your neighbor’s property
- Dog bites
Whether any of the most common liability claims happen, your homeowner’s insurance will provide liability protection and legal defense.
Liability Protection
Liability is legal protection for you in case of lawsuits for bodily injury or property damage that you or your family members cause to other people. Liability protection also provides no-fault medical coverage for a slip and fall injury. Be aware that the amount of medical coverage is based on your policy limit and will not surpass that. Also, note that it does not pay your own family or pet’s medical bills.
Legal Defense
If someone were to slip and fall on your property, your homeowner’s insurance would pay for your legal defense when a liability claim is held against you or damages. For example, if you forget to shovel your driveway because of snow and someone falls and gets injured, your homeowner’s insurance will provide you with an attorney.
Don’t Wait to Contact
Homeowner’s insurance policies are already too hard to understand and navigate. If you are ever unsure whether your policy covers slip and fall claims, we can provide you with a free review of your policy. Our South Carolina personal injury attorneys are here to help and provide you with a defense. Get in touch with our office today for a free consultation.