Common Types of Injury Liability Claims
Accidents at home happen far more frequently than you might think. Unless you become a recluse à la Howard Hughes, you will likely have friends and family members visit you, and with those visits come the risk of someone having an accident. Even an uninvited guest, such as a salesperson or a political candidate going door to door, could sue you if they’re injured on your rental property.
The most common cause of liability claims are dog bites. Your renters liability insurance can help cover the cost of any damages caused by your pets in most cases. However, many insurance companies are reluctant to offer coverage for certain dog breeds that have a high number of claims attributed to them, which they’ve dubbed as “aggressive” breeds. They include…
- Bull Mastiff.
- Chow Chow.
- Doberman Pinscher.
- German Shepherd.
- Pit Bull.
- Siberian Husky.
- Wolf Hybrid.
You may still be able to receive liability coverage, but with an exclusion for your dog – meaning your insurance company will cover you and your family members, but won’t cover any damages your dog might inflict.
Slips, trips, and falls are another common source of liability claims, and might include…
- A visitor slipping on your freshly waxed floor or tripping on the corner of a throw rug.
- An overnight guest unfamiliar with your home taking a wrong turn during the night and tumbling down your stairs.
- A neighbor stopping by to borrow a cup of sugar and hitting their head on your open cabinet door.
Another frequent cause of liability claims are intoxicated guests. If you throw a party and one of your guests becomes drunk, you could potentially be held liable for any damage they cause to another person or their property.