A backyard barbecue, a slippery walkway, or an enthusiastic dog can turn an ordinary day into an unexpected insurance situation. So, what happens if someone gets hurt on your property?
Your homeowners insurance may provide medical payments coverage, which can help pay for certain medical expenses for a guest injured on your property, subject to your policy terms and limits. Personal liability coverage may come into play if you or another insured are found legally responsible for someone’s injury. It can help cover eligible damages, including medical expenses, lost wages, and legal defense costs if a lawsuit is filed.
If an injury leads to a claim, the process generally involves reporting the incident, an investigation into what happened and whether coverage applies, and a review of any alleged liability and damages. If you’re sued, your policy may provide a legal defense for covered claims, subject to its terms and limits.
Here’s the important part: your liability limit matters. A serious injury can create expenses that add up quickly, and your policy only pays up to its applicable limits. Homeowners who want additional protection may want to consider higher liability limits or a personal umbrella policy.
At Dowd Insurance Agency, we help Central Texas and Hill Country homeowners review their coverage before life throws a curveball—or before someone slips on one!
