Does homeowner's insurance pay for...?

Question

an injury that was recieved on someone's property? My son, who is an adult, tripped fell and broke his arm at a friend's house. My son has no insurance. Is the friend liable since it was at his house? He has homeowner's insurance. I wasn't sure if that covered bodily injury.

Answer 1

Homeowner's insurance typically covers personal injury. However, your son is going to have to prove there was something at the friend's house that caused him to trip. If your son tripped over his own feet, then that's his fault, not the friend's fault.

Does your son live with you? If so, he may be covered under your homeowner's insurance policy (if he doesn't want to sue the friend and/or cannot sue the friend).

Answer 2

Well, there are a BUNCH of questions here. So let's break it down.

Is a homeowner automatically liable for any injuries occuring on a premises? No. They have to have CAUSED or CONTRIBUTED to the injury. Your son tripping over air, or flip flops, and falling, does NOT make them liable. But maybe he tripped on uneven stairs, and there was no handrail - NOW you've got a liability case.

The STANDARD homeowners policy has "medical payments" coverage - usually $250 or $500. It's a NO FAULT coverage for people who don't live there, and you don't HAVE to be liable. It will pay medical bills ONLY. But the homeowner MUST submit the claim. Homeowners insurance companies will not honor third party claims AT ALL. So if the guy either doesn't have med pay, or doesn't want to submit the claim, your son will have to sue him to prove negligence.

Med pay won't cover lost wages or pain and suffering. If you want lost wages or pain and suffering, you have to sue the homeowner.

Hope that helps.

Answer 3

If the property owner has a homeowners policy- there are two types of coverage that could help out.

Medical Payments coverage will pay for medical bills that are incurred because someone is injured on your property - regardless of fault. Your son should be able to make a claim here. Most of the property policies I've seen have about $5000.00 worth of med pay coverage.

There is not enough information in your question to say if the liability coverage will pay. The Liability coverage will pay if someone is injured on your property due to your negligence. For example: you have a loose step on your front porch and someone trips on the loose step. You were negligent for not maintaining your property and repairing the step.

If your son fell on the person's property because he just fell (or in my case is a klutz) and there was no negligence on the part of the property owner that caused your son to fall - then your son would not be able to collect under the liability coverage.

Just the fact that you own a property does not make you automatically responsible for every injury that happens on it. It all goes back to negligence.

Answer 4

Homeowners Insurance has what is referred to as Premises Liability in it. There is coverage under the Homeowners Policy, although if your son's friend is not willing to claim their homeowners policy willingly, your son will have to sue his friend to get any money from them.

The short answer is yes homeowners policies do cover for injury on the property, but is your son willingly to lose a friend to get a few medical bills paid for.

Good luck!

Answer 5

Some do ,
But realize if he sues because he was a Klutz ,
You can figure that friend will be an EX- friend .
Unless an injury is the homeowners fault , like keeping an unchained vicious dog , suing is low life .

If a friend sued me because they were inept ,
It would be the last time I wasted with that type of low end scum .

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Answer 6

Yes

Answer 7

Home owner's Insurance can pay for Fires only, you need to get more insurance on your home on your own.