Does Homeowners Insurance Cover Accidents On Your Property?

1. 

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   Brenda Hanson

   Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana

   Depending on what type of accident yes it would be covered, If you had a slip and fall situation that would fall under the home owners policy but if you are talking about your car backed into the garage or another car then your auto policy would cover that liability.Also the accident if it was yourself that fell that would fall under a different portion of your home owners policy.I recommend you call your agent or your carrier with the details

   Answered on June 12, 2013

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2. 

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   David W. Clausen

   Chief Executive Officer, Coastal Homeowners Insurance Solutions, Rocky Point, NY 11778

   It really depends on the type of accident. Assuming you have personal liability than most trip & falls will be covered assuming you filled out your insurance application correctly. I would reach out to your local independent insurance agent to discuss the exact coverage under your policy and what types of accidents are covered. Hope this answer helps.

   Answered on May 11, 2016

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