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February 22, 2023
3 min read time

Understanding Liability Claims and Your Home Insurance Coverage

Liability Claims Are Not Always Covered under Your Homeowners Insurance Policy

Your home insurance policy provides liability coverage that can pay for medical expenses, lost wages, and other costs if someone sustains an injury at your home. The policy also covers accidental damage to other people’s property and any legal expenses related to a claim. However, it’s essential to note that your home insurance policy may not always cover you for injury or property damage.

Intentional Acts

If you or a family member intentionally cause harm to someone on your property, legal action can be taken, and you may be responsible for any medical expenses and costs. Additionally, if a family member intentionally damages another individual’s property, it may not be covered by the policy.

Family Losses

Liability coverage under your home insurance policy applies to injuries and property damage sustained by someone who is not a member of your family. Injuries sustained by you or a family member within your home will not be covered and will require a claim to be filed through your health insurance policy.

Dog Bites

The coverage for dog bites depends on your home insurance policy. Some insurance companies do not cover certain breeds of dogs, while others exclude coverage for all dog bites.

Home-Based Business

Losses related to a home-based business are generally not included in home insurance coverage. If someone experiences injury or property damage related to your business conducted from your home, your home insurance company may refuse to pay. It is recommended to have a separate insurance policy for your home-based business to ensure complete coverage.

Losses That Exceed Coverage Limit

Your liability coverage has a set dollar limit. Although standard coverage limits are usually sufficient to cover most liability claims, severe injuries requiring long-term medical care can result in costs that exceed the coverage limit of your home insurance policy. In such cases, the injured person can take legal action to seek compensation for expenses not covered by your insurance policy. To protect your assets, it’s recommended to consider umbrella insurance to provide coverage above the limit of your home insurance policy.

Review Coverage

If you have any questions or doubts about the coverage provided by your home insurance policy, it’s recommended to contact your insurance company or agent immediately. You may need to increase your coverage limit, add an endorsement, or purchase umbrella insurance or a separate policy for your home-based business to ensure full coverage.


Questions? We Can Help.

At Murray Law Group, we understand how important it is to have proper liability coverage under your home insurance policy. While your policy provides coverage for many types of injuries and damages, it’s important to know what situations may not be covered. Our goal is to help make sure you’re not only protected by your insurance company, but also from those who may try to take advantage of you when you have a claim.

If you have any questions about your liability claim, we offer a free consultation to help guide you through the process. Our job is to make sure the insurance company does its job, and that you receive the compensation you deserve. Contact us today to learn more about how we can help.