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Kitchen on fireWhen a guest visits your home, the last thing you might expect is someone being hurt. Yet, it is somewhat common for this to happen. Mistakes happen. People trip and fall. And, in some situations, you may face lawsuits from this type of injury especially when the individual is hurt significantly. The medical bills this individual has as a result of the accident at your home may be covered by your home insurance policy. Do you know what type of coverage you have for medical payments?

Are You Covered for Accidents and Injuries in Your Home?

It’s important to know who is covered under your home insurance’s liability policy. In short, if you or anyone living in your home is hurt, the policy does not provide protection from medical costs. It only applies to losses suffered by third parties who are visiting your home. This includes people delivering items, friends that stop by, and neighbors who are visiting. These are individuals you’ve invited to your property. This coverage does not cover you as the homeowner, your family members, or others living on the property.

What is Covered Under Home Insurance?

Medical payments for injuries happening at your home can range widely. Be sure to check the "MedPay" or medical payments and personal liability insurance sections of your home insurance policy to learn what specifically is included and what may be excluded. In general, they may cover:

  • Medical bills up to a certain dollar amount (this is often $100,000, but varies)

  • MedPay cover can pay $1,000, in many situations, for those visitors who avoid suing you and instead just need their medical bills paid. It is a no-fault type of insurance. You do not need to make a claim of fault.

  • Coverage should include emergency care when necessary, medical bills, potential lost time at work, loss of use, as well as long-term care if necessary.

Every situation is different. You may need to work closely with your home insurance provider to learn what type of protection is in place and how much coverage you have. If your home insurance does not have enough personal liability protection for these types of incidents, it may be time to expand your policy or replace it.

Call Sweet & Baker Insurance Brokers at (415) 512-2100 for more information on home insurance San Francisco, CA.

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