Homes have potential risks that often go overlooked including slippery sidewalks, uneven stairs or even pets that may bite. If someone is injured on your property, a lawsuit may be filed to cover medical expenses, bills and/or pain and suffering. Are you covered in case of an accident?
For example, did you know if a guest trips and is injured while at your house, they may be able to sue for compensation? Personal liability insurance may provide the financial protection you need if an accident happens at your home and is part of a homeowner’s or renter’s insurance policy. Liability insurance not only covers property damage expenses, but also expenses related to bodily injuries. It’s important to review your policy with your insurance company to make sure you are personally protected from exposure.
At Dale E. Anstine law firm, we see many personal injury cases that are filed against homeowners for varying reasons. The following are three common liability claims that homeowners may face:
- Slips and falls
- Dog bites
- Injured workers
Slips and Falls
Uneven stairs, slippery sidewalks or even carpeting that is loose can cause a guest to slip and fall. Slip and fall injuries often impose considerable financial burden due to missed work and medical costs. In fact, according to the Centers for Disease Control and Prevention, a visit to the hospital for a slip and fall injury can be $30,000. As a homeowner, it’s important to routinely maintain your property to ensure it is safe for not only your family, but for relatives or friends who may be visiting.
While dogs may be “man’s best friend,” pets may feel protective of their owners (or even their space) when a stranger is near. While you may never expect your pet to bite someone, it does happen. In Pennsylvania, owners are responsible for their animals and could be held accountable for incidents. Liability insurance may cover medical expenses related to a dog bite.
If you have hired independent workers to maintain your lawn, clean your home, or provide any other maintenance, you may be liable if they are injured. Some contractors carry their own worker’s compensation coverage; however, it may not be mandatory based on the type of business. If a lawn-care expert trips on a hole in your yard and is injured, they may sue you for compensation for their medical bills.
The personal injury attorneys at Dale E. Anstine encourage all homeowners to review their policies and speak with their agents to make sure they are covered in case of an accident at their home. While we hope you never need our services, if you or someone you love is injured through negligence of another person, reach out today for your free consultation. Get a specialized attorney on your side who has a full understanding of personal injury law. With offices in York and Gettysburg, our team is proud to protect the injured across the Central Pennsylvania community. Consultations are always free, we’re available 24/7 and there’s no fee unless we win for you.