The Murzzy Blog
Accidents can happen anywhere, even in the safety of our own homes during the course of regular activities like falling from ladders, slipping on ice or tripping on uneven steps. It’s a homeowner’s responsibility to keep their home safe no matter what. Of course, there’s no way to account for everything that could possibly happen so having a trustworthy home insurance policy is a must. This will pay for the medical bills and lost wages caused by it and protect you, the homeowner.
An Accident Happened – What do I do?
Take pictures of the condition of your home after an injury happens. It’s best to document evidences to help your situation. Call your insurer and make sure to give your insurance information to the victim. If you do so, they’re less likely to sue you and ask for compensation.
It’s our responsibility to keep our houses hazard-free, but sometimes, accidents are unavoidable. It’s not new that the insurer and the victim can have a conflict on who’s at fault or how grave the injury is. Since the accident happened in your home, the victim might end up sueing you. A liability insurance can be your rescue, as this will pay to protect you if you’re not legally responsible.
Am I also liable for workers in my home?
The worker’s employer can cover their injuries with their employer’s workers’ compensation insurance. However, if your negligence is the cause of the injury, you would certainly be held liable.
What if I rent?
If you get injured in where you rent, a renter’s insurance can cover for you. Landlords are only held responsible if your injuries are caused by structural problems in their property. If you tell your landlord a risk in your building as soon as you see it, they won’t be to claim innocent if an injury happens.
How much does it cover?
A home or renter’s insurance can only cover an injury up to a certain point. If the insurer is certain that the accident was the homeowner’s fault, the policy can cover up to $25,000 or more. For minor injuries, most policies would usually only pay $1000-$5000.
What’s an umbrella policy?
Usually, a homeowner’s, and renter’s insurance would only have a certain amount of coverage. Remaining medical or lost wage claims by home injuries can be covered by the umbrella policy.
You might be confident that your home is the safest place you could be but we never know when accidents may happen. It's best to be ready when it comes. Remember it is free to speak with us. At Murzzy Inc., we aim to provide comprehensive insurance policies that makes your life easier. You can get more information about our products and services by calling our agency at (877) 929-2612. Get your free quote today.
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