Hosting friends and family is a wonderful way to create memories, but what happens if a guest gets injured while visiting your home? Accidents can happen unexpectedly, whether it’s a slip on a wet floor, a fall down the stairs, or even a dog bite. That’s where your home insurance policy can step in to help. At The Isom Insurance Group, serving the greater Polk County, FL, area, we want to ensure you understand how your policy can protect you in these situations.
Does Home Insurance Cover Guest Injuries?
Most standard home insurance policies include personal liability coverage and medical payments coverage. Personal liability coverage helps if you are found legally responsible for an injury on your property. It can cover medical bills, legal fees, and even settlement costs if the injured person decides to take legal action.
On the other hand, medical payment coverage is designed to cover minor medical expenses regardless of who is at fault. If a guest trips on your doorstep and needs medical attention, your policy may help cover their doctor’s visit without requiring a legal battle.
What Isn’t Covered?
While home insurance provides valuable protection, it doesn’t cover everything. Injuries to members of your own household typically aren’t included, as these are covered by health insurance instead. Additionally, if the injury was intentional or caused by negligence, your claim could be denied.
Make Sure You’re Protected
Accidents happen, but having the right insurance can give you peace of mind. Contact The Isom Insurance Group, serving the area in and around Polk County, FL, today to review your policy and ensure you have the coverage you need to protect yourself and your guests.
