Home Insurance Fort Worth TX Liability

 

Although a person’s home is their castle, it can also have flaws. Some major, some minor, and some which can lead to potential lawsuits. For this reason, it’s important to have comprehensive home insurance Fort Worth, TX. A liability provision needs to make sure that you – and your visitors – have some extra peace of mind. Accidents can happen at any time, and insurance is a good safeguard against unforeseen events.

The concept of ‘premises liability’ refers to a homeowner’s responsibility to protect others from dangerous conditions on the homeowner’s property. Basically, the property owner has to adequately maintain their home. People on the premises have to be “protected from an unreasonable risk of harm.” If they aren’t, the homeowner can be held liable for injuries that visitors might get.

The property owner is liable for all problems arising from hazards on the property. Homeowner’s insurance doesn’t cover intentional acts like assault. Common injuries that can be covered by home insurance include:

  • Dog bites
  • Icy sidewalk or driveway
  • Staircases or hallways with poor lighting
  • Broken steps, sidewalks, or pathways

If someone falls down a staircase because the top step was broken, the property owner can be held liable for that person’s medical expenses (or other damages). The injured person may be able to prove negligence occurred (a third-party claim). No one expects an injury to occur to visitors, yet it can always happen. It’s important to have reliable home insurance which can cover if needed.

For specific information on home insurance in Fort Worth, TX, contact us today! Click Here