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Does home insurance cover accidental falls?
My neighbor came over for coffee the other day. When leaving my house, she slipped and fell on our front porch. She had to go to the hospital, but thankfully wasn't seriously injured. I feel terrible! Will my home insurance cover accidental falls?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! I’m glad she wasn’t seriously injured. The good news is home insurance will cover accidental falls as long as the person isn’t a resident of your home.
The two coverages that apply to accidental falls are
personal liability
and medical payments to others. Personal liability provides legal coverage as well as any expenses related to someone being injured or their property damaged while on your property.
Medical payments to others is a separate coverage that insurance companies provide to avoid potentially having to pay out for a liability claim. It’s called a goodwill coverage, meaning it pays out regardless of fault.
Since your neighbor was hurt and had to go to the hospital, you’ll want to reach out to your insurance company. Depending on injuries and the number of medical expenses, your insurance may use your medical payments coverage or have you file a liability claim.
If you end up having to file a liability claim, you may see your insurance premium increase at your next renewal. That said, it doesn’t mean you can’t find a lower rate. If you want cheap home insurance quotes fast, go to
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and helps to cancel your old policy. Even better—Jerry will help you bundle your home and auto policies for maximum savings. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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