Homeowners Insurance usually includes Personal Liability coverage listed under Section II on the Declarations Page. Personal Liability will usually cover a legal case brought against the insured and direct family members in the insured household due to negligence.
It is important to read the coverage definitions, limitations and exclusions to assure that coverage will be afforded for each specific case.
If there is a case of a Slip and Fall incident due to the negligence of a covered person, it is likely that coverage exists; however, this will be determined by the adjustor assigned to the specific case during examination and interpretation of coverage on the said policy.
It is never a good idea to assume coverage without the complete legal interpretation of both the policy and the specific case presented.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Coverage for liability arising from personal injury or property damage is an integral part of most homeowner’s policies. This coverage is extremely important but often overlooked. The whole field of personal injury is a very active arena for litigation. What I routinely recommend is that the policyholder take the maximum amount of liability protection available and then consider an “umbrella policy” to further extend coverage.
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It is important to read the coverage definitions, limitations and exclusions to assure that coverage will be afforded for each specific case.
If there is a case of a Slip and Fall incident due to the negligence of a covered person, it is likely that coverage exists; however, this will be determined by the adjustor assigned to the specific case during examination and interpretation of coverage on the said policy.
It is never a good idea to assume coverage without the complete legal interpretation of both the policy and the specific case presented.