Peggy Claytor in Insurance | 5790 Reads
12/01/2023

5 most common home insurance liability claims

There are many Hazards in your home, even though you may have never thought of them that way.

Your guests can be the liability!
Peggy Claytor

If your homeowners insurance policy doesnâ€™t have enough liability coverage and a visitor is injured while visiting your home, you could be left footing a very pricey bill. Liability claims against homeowners are common.

1. Dog bites.- The III reports that the average dog-bite cost per claim in 2012 was $29,752.
2. Home accidents - If someone happens to slip on ice and snow that you fail to shovel on your walk,â€ you could be held responsible.
3. Falling trees- If you own a tree that poses a hazard, itâ€™s up to you to trim the branches or have the tree removed entirely.
4. Intoxicated guests-If you host a party and one of your guests becomes intoxicated, you could be held responsible for any harm he or she causes to other people or property.
5. Injured domestic workers -If you hire domestic workers to clean your home or care for your lawn, you have the potential for liability claims when they are injured on the job.

A typical homeowners or renters insurance policy includes a minimum of $100,000 for liability, according to the nonprofit Insurance Information Institute III). A personal umbrella liability policy will provide you with additional protection. You typically can buy $1 million in umbrella liability coverage for $150 to $300 per year.