A look into negligence and prevention of homeowner’s mishaps.
In most cases, homeowners’ insurance will cover injuries that occur on our property, including slips and falls. However, the coverage will depend on the specific policy and the circumstances of the incident.
If your friend slips on ice on your driveway, your homeowners insurance policy may cover their medical expenses and other damages resulting from the injury up to the limit of your policy. This includes expenses like medical bills, lost wages, and pain and suffering. If you friend decides to file a claim against you, your homeowner’s insurance may also cover the cost of legal fees and any damages that you are found responsible for paying. However, it’s important to note that not all homeowner’s insurance policies are created equal. Some policies have exclusion or limitations that could affect coverage. It’s a good idea to review your policy with your insurance agent and make sure you have adequate coverage.
In some cases, your friend may argue negligence caused the injury, such as if you failed to clear ice from your driveway. If this is the case, your insurance company may investigate the circumstances of the incident to determine if you were negligent. If your insurance company does determine that you were negligent, they may deny coverage for the claim. In this case, you may be personally responsible for any damages that your friend incurs.
To prevent slips and falls on your property, it’s important to take steps to prevent icy conditions. This includes clearing snow and ice from your driveway and sidewalks, using salt or sand to melt the ice, and warning guests of any hazardous conditions. If a friend slips and falls on your driveway, your homeowner’s insurance may cover their injuries and other damages. However, coverage will depend on the specific circumstances of the incident and the terms of your policy. To ensure that you have adequate coverage, it’s advisable to review your policy with your insurance agent and take steps to prevent hazardous conditions on your property.
Investopedia. (2022). Homeowners Insurance. Retrieved from https://www.investopedia.com/terms/h/homeowners-insurance.asp
Minnesota Homebuyer’s connection (2022) Minnesota Homebuyer’s Connection. Available at: https://mnhomebuyersconnection.com/ (Accessed: March 24, 2023).
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