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⁠Does Homeowners Insurance Cover Injury to the Homeowner and Household Members?

May 24th, 2024 | 3 min read

By Daniel J. Middleton

Does homeowners insurance cover injury to the homeowner and household members?

As a homeowner in Central New York, you want to protect your family and your property. But navigating the complex world of insurance can be overwhelming, leaving you worried about making the wrong choice. You're not alone in this concern. Many people find themselves unsure if they have the right coverage for their unique situation.

At Horan, we understand these challenges. As an independent agency working with multiple carriers, we have the knowledge and perspective to guide you toward the policy that fits your needs. Our goal is to empower you with the information you need to make confident decisions about your insurance.

One question we often hear is, “Does homeowners insurance cover injuries to myself or my family members?” It's a critical concern, and the answer may surprise you. 

In this article, we'll explore the ins and outs of how homeowners insurance handles personal injuries, so you can better understand your coverage and make informed choices to protect your loved ones.

The Personal Injury Coverage Gap in Homeowners Policies

Does homeowners insurance cover injury to the homeowner and household members? No, it doesn't. Your homeowners insurance policy won't cover injuries that you or your family members sustain at home. 

This revelation might seem counterintuitive—after all, isn't that what insurance is for? But there's a good reason for this exclusion.

Why Aren't Homeowners and Their Families Covered?

The key concept here is liability. Homeowners insurance is designed to protect you financially if you're found liable for injuries or property damage to others. But you can't be liable to yourself or your household members.

Think about it this way: if you're cooking dinner in the kitchen of your Baldwinsville ranch and accidentally burn yourself on the stove, that's not a liability claim—it's an accident that affects you personally. 

The same principle applies if your spouse slips on a wet floor or your child trips and falls down the stairs.

Who Is Covered by Homeowners Insurance for Injuries?

While your policy won't cover your own family, it does extend protection to other people who may get hurt on your property. This could include:

  • Friends visiting for a backyard barbecue
  • Your child's playdate pals from school
  • Relatives from out of town staying for the holidays
  • A delivery person dropping off a package

If any of these people are injured due to a hazard on your property, your homeowners insurance can help cover their medical bills or legal fees if you're sued.

Scenarios Where Injuries May Not Be Covered by a Homeowners Policy

There are a few exceptions to keep in mind. Let's say you're operating a small business out of your Syracuse home—maybe giving piano lessons or selling handmade jewelry. If a student or customer gets hurt during their visit, your homeowners policy likely won't cover it because business activities usually require separate business insurance.

And learn more about why a home policy may not be enough for a home-based business.

Homeowners Insurance and Hired Contractors

Or perhaps you're having major renovations done and a contractor injures themselves on the job site. When hiring a contractor, one of the first things you should ask is: "Are you insured?" If they say yes, ask for proof of their insurance coverage

If they say no, carefully consider whether you want to proceed with the project.

As a property owner, you're liable for what happens on your premises. If a contractor's employee gets hurt and the contractor doesn't have insurance, you could be held responsible for covering the damages. 

Remember, as the owner of the property, you're in charge—but that also means you're accountable for any incidents that occur.

When you're hiring professionals to work on your home, it's crucial to verify their insurance coverage. The last thing you want is to be left with an unfinished project and a hefty bill for someone else's injuries.

What Should You Do If a Family Member Gets Hurt?

If you or a loved one needs medical attention for an at-home injury, you'll rely on your health insurance for coverage. It's a good idea to keep your policy information handy and know which CNY urgent care centers or ERs are in-network.

For serious incidents like fires or collapsed decks, your homeowners policy may cover the damage to the house itself—but for bodily injuries, health insurance is still the go-to.

Protecting Your Loved Ones and Your Home with the Right Policies

While it may feel like a gap in coverage, the exclusion of homeowners and their families from injury protection is a standard part of most home insurance policies. The good news is, you can still count on your policy for a wide range of other essential protections—and of course, you've got your health plan to help when accidents happen. 

Understanding how these coverages work together can give you greater composure at home and beyond.

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We Can Help You Make Sense of Your Homeowners Policy and Secure the Right Coverage

Understanding the limitations of your homeowners insurance is crucial for protecting your family and finances. While it may feel unsettling to discover that injuries to you and your household members aren't covered, this knowledge empowers you to make informed decisions. 

By securing the right health insurance and taking proactive steps to prevent accidents, you can create a safety net that gives you composure and security.

At Horan, our expertise lies in helping Central New York homeowners like you navigate these complex issues. As an independent agency, we work with multiple carriers to find the coverage that aligns with your unique circumstances. 

Our goal is to be your trusted resource, providing the guidance and support you need to safeguard your home and loved ones.

If you're ready to take control of your insurance journey, we're here to help. Click the Get a Quote button below to start a conversation with our knowledgeable team and discover how we can work together to protect what matters most.

And learn the 6 big coverages of a home insurance policy.

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Daniel J. Middleton

Daniel is an accomplished content creator. He has been working in publishing for almost two decades. Horan Companies hired Daniel as its content manager in November 2022. The agency entrusted its messaging to him. Since then, Daniel has written insurance articles, service pages, PDF guides, and more. All in an effort to educate CNY readers. He's helping them understand the world of insurance so they can make informed decisions.