How does your homeowner’s policy protect you if someone comes on your property and has a slip & fall accident?
Homeowner’s policies include personal liability and medical expense coverage. For instance, if your homeowner’s policy has $500,000 limits on liability coverage and $5,000 limits on medical expense coverage and someone gets hurt on your property, your policy will cover the injured person’s medical expenses up to $5,000 regardless of fault. However, if as the homeowner, you were negligent in some area that caused the person to be injured, then you would have protection up to the $500,000 if necessary. It all comes down to legal liability if the claim is above the medical expense limit.
Contact me if you have other insurance questions.
Jon
507-226-8121
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