Homeowner’s Insurance and Personal Injury Liability Coverage in Georgia


November 07, 2017

Georgia Personal Injury Attorney Discusses Homeowner’s Insurance and Liability Coverage

Suffering injuries in another person's home can be frustrating, painful, and emotionally distressing.  An injured person may not know what to do and whether or not the homeowner will be held responsible for medical bills, lost wages, and any other damages sustained by the injured individual.  Many people are aware that homeowners’ insurance policies often cover certain types of personal liability.  As such, an individual injured while on another person's property should be aware whether the homeowner or property owner may be held responsible.

If a homeowner or property owner alleges that he or she is not responsible for personal injuries suffered on the property, it may be a good idea to discuss the situation with a Georgia Personal Injury Attorney.  An injured person has certain rights depending on the circumstances of the accident, and most homeowners’ insurance policies will cover personal liability of the homeowner.  While all homeowners are supposed to have homeowners’ insurance, homeowners may not be aware of what the coverage limits are on their policy.  Therefore, it is imperative that an injured individual act quickly following an accident to determine if a homeowner or property owner has liability coverage.

What Types of Injuries Are Not Covered by Homeowners’ Insurance?

While homeowners’ insurance policies cover most injuries suffered in a person’s home caused by the homeowner's negligence, there are times in which there may not be coverage.  For example, if an injury was caused by intentional conduct, a homeowners’ insurance policy may not cover any expenses or damages associated with the injuries.  Such a situation can happen when a homeowner pushes someone else down the stairs or intentionally leaves a floor wet, putting others at risk to falling and injuring themselves.  Additionally, if a person suffers an injury in a home that is caused by another visitor, and not the homeowner, a homeowners’ insurance policy may not cover the costs associated with the injuries.  

It is also important to note that in order to recover compensation from the homeowner under the theory of negligence, the reason the injured person is there and/or the relationship of the injured person to the homeowner is relevant as to determining the homeowner's duty of care.  For example, an invitee, or a person who is at the home for business purposes can recover under the theory of simple negligence against the homeowner for his/her failure to keep the premises safe.  Examples of invitees would be exterminators, plumbers, salesmen or any others who were induced to come to the home by express or implied invitation.  However, a licensee, which is essentially a friend, family member or social guest, can only recover against the homeowner for willful or wanton conduct.  As you can imagine, a licensee who has a claim against a homeowner for such conduct may not be able to recover damages under the person's homeowner's insurance policy if it has an "intentional acts" exclusion, as discussed above. 

There are a variety of ways in which certain conduct may be considered intentional as it relates to personal injuries suffered on a homeowner’s property.  Given that a person's rights and interests are at stake, it is crucial that an injured individual seeks guidance to ensure he or she has a full understanding of whether or not a homeowners’ insurance policy will pay for damages associated with a person’s physical injuries.  If you have been injured because of a homeowner's negligence, contact our attorneys at Montlick & Associates to learn about your legal rights as well as what steps can be taken to protect those rights.

Put Our Law Firm's Over 33 Years Of Legal Experience To Work For Your Case!

In fact, if you have been injured in ANY type of accident caused by someone else's negligence, contact Montlick & Associates today for your free consultation. Montlick & Associates has been representing those who suffer serious injuries throughout all of Georgia and in the Southeast for over thirty-three years, including but not limited to Albany, Athens, Atlanta, Augusta, Columbus, Gainesville, Macon, Marietta, Rome, Roswell, Savannah, Smyrna, Valdosta, Warner Robins and all smaller cities and rural areas in the state. 

No matter where you are located our attorneys are just a phone call away, and we will even come to you. Call us 24 hours a day/7 days a week for your Free Consultation at 1-800-LAW-NEED (1-800-529-6333). You can also visit us online at www.montlick.com and use our Free Case Evaluation Form or 24-hour Live Online Chat.

Source: https://www.allstate.com/tools-and-resources/home-insurance/what-does-home-liability-cover.aspx

Montlick & Associates, Attorneys at Law
17 Executive Park Dr NE
Atlanta, GA 30329
Telephone: 1 (800) LAW-NEED
Telephone: 1 (404) 529-6333

Category: Personal Injury

Please Note:
Many of our blog articles discuss the law. All information provided about the law is very general in nature and should not be relied upon as legal advice. Every situation is different, and should be analyzed by a lawyer who can provide individualized advice based on the facts involved in your unique situation, and a consideration of all of the nuances of the statutes and case law that apply at the time.