Will Homeowners Insurance Cover My Injury?

You’re at a friend or family members house, and you fall and get injured, or your enjoying the pool and you slip and fall on the concrete. You don’t want to sue your family member or friend because you don’t want to cause any issues, though you do have the option of pursuing a claim against their homeowners’ insurance to cover the costs of your injury. Is this the right thing to do, and will the homeowners’ insurance cover all of your medical costs?

“I’ve dedicated my entire life to helping our clients receive full compensation for their injuries.”

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Gary Burger

Litigation attorney

In this FAQ, we cover how homeowners insurance works, and what it will cover in the event that someone is injured on the premises. If you have any questions about this FAQ, or if you would like to speak with one of our personal injury lawyers in St. Louis, call our lawyers at 314-542-2222 or 618-272-2222.

Will Homeowners Insurance cover my Injury

Homeowners Insurance has a set amount that it will pay in the event that someone is injured on the property. The policy doesn’t apply to the homeowners, it only applies when they are the liable party, such as when someone is injured while visiting on the property. So if you were injured while visiting a friend or family member, their homeowner’s insurance policy will have an amount dedicated to covering your injuries.

So how much of your injury will be covered? This is going to be entirely dependent upon the level of insurance or the quality of insurance that the house has on it. Some homeowners may only have a small amount of injury coverage and will be liable for the rest. In other cases, the policy may entirely cover your injuries so that you don’t have to pursue a claim against the homeowners as well. In either of these cases, a personal injury lawyer will be able to help you get the information you need to make sure you make the correct decision regarding your injuries.

It’s important to remember that pursuing a claim against a homeowners insurance policy is not the same as suing the individual who owns the home. Homeowners insurance policies are made to cover accidents that happen on the premises so that the homeowners aren’t liable for covering the medical costs or financial recovery that comes with an injury claim. If you need to file a claim against a family member or a friends insurance policy then you are filing a claim that is covered by the homeowner’s insurance policy. Their is dedicated money to cover your injury. If you have any questions about how this process works feel free to call our Personal Injury Lawyers in St. Louis at 314-542-2222 or 618-272-2222.

How to File a Claim against a Homeowners Insurance Policy

If you would rather speak directly with our team about your case, please don’t hesitate to call us at 314-542-2222 or 618-272-2222. We’ve taken on homeowners insurance claims before and we know how to make sure that you get 100% of the care and financial recovery
you are owed. Remember, your didn’t ask to be injured and you shouldn’t have to beg to get the care you deserve. You
can get a recovery for your injuries.

What Is the Primary Difference Between Homeowner’s Insurance and Renter’s Insurance?

For anyone who owns a home, homeowner’s insurance can cover the house and its contents. The value of the homeowner’s insurance policy covers the cost of repairs and also replacing the structure in case of total loss. Insurance can cover replacing personal property, including furniture, clothing, dishes, and jewelry.

If you live in a rental home, the landlord will insure the property, while the renter is responsible for having renter’s insurance coverage for its content. Renter’s insurance is for occupants who do not own the property but would like to protect their personal belongings in the home or property.

Key Aspects About Homeowner’s Insurance

• Homeowner’s insurance covers the actual property and other structures of the house you live in
• Most lenders require homeowners insurance before signing off on a mortgage
• It is usually more expensive than renter’s insurance
• If you own a home, you need homeowners insurance

Critical Aspects Of Renter’s Insurance

• The landlord pays for the coverage of the actual property, while the homeowner pays for coverage of the personal property.
• Renter’s insurance is acquired by a tenant to protect their personal property and against any liability.
• If you rent a home, you need renter insurance; a landlord may require you to acquire the coverage.

A property owner has no legal obligation to insure their property unless under particular circumstances. For instance, a homeowner with a mortgage must take insurance that protects the property, acting as security for the mortgage.

Lenders use a mortgage clause in homeowner’s insurance to protect their interest. 

In other instances, landlords often require tenants to acquire renter’s insurance in the lease agreement. 

The Difference Between Renter’s Insurance Coverage and Home Insurance Coverage

The main difference between homeowner’s insurance coverage and renter’s insurance is that homeowners cover the structure— the house, gazebos, decks, guest houses, light posts, and detached garages.

In the case of renter’s insurance, the landlord covers damage to the building. Suppose you own a home, and fire damages the house. In that case, the homeowner’s insurance will cover the cost of repairs. 

However, if you rent a home and fire damages the apartment, your landlord’s insurance policy would cover the repairs to the building. 

Covered Events

Both homeowner’s and renter’s insurance cover the following perils:

• Explosion
• Falling objects
• Smoke damage
• Theft
• Weight of ice or snow
• Vandalism
• Windstorm
• Lightning or fire
• Accidental damage from artificially generated electrical current

Coverage Available in Homeowners and Renter’s Insurance

• Personal Liability Coverage: Personal liability coverage caters to medical expenses, legal costs, and property damage if you accidentally cause property damage or injuries to someone else. For instance, your homeowner’s insurance can cover medical expenses and legal fees if your dog bites a delivery person.
• Additional Living Expenses: Additional living expenses coverage pays for temporary living costs and other expenses if you cannot live at home because of a problem like fire or windstorm covered by the homeowner’s or renter’s insurance.
• Personal Property Coverage: It covers the cost of repairing or replacing your possessions, such as clothing, electronics, toys, sports equipment, and furniture.

Medical payment coverage for medical expenses for guests injured in your home or apartment, irrespective of the at-fault party.

Gary Burger

Founder | Injury Attorney
Gary Burger has dedicated his career to standing up against bullies. The founder and principal attorney of Burger Law | St. Louis Personal Injury Lawyer has helped hundreds of Missouri and Illinois individuals and families recover th …
Years of experience: 30 years
Location: St. Louis, MO

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