Rosenbaum Personal Injury Lawyers | April 22, 2025 | Slip and Fall Accidents
Slip and fall accidents can happen anywhere—at the store, on the sidewalk, or even at home. If you’ve sustained an injury from a slip and fall accident on someone’s property or at home, you might wonder if homeowners insurance will cover your personal injury costs.
Homeowners insurance provides some protection, but coverage details can change. This depends on your situation, policy type, and other factors. A slip and fall accident lawyer in Brooklyn can help you understand how homeowners insurance works in relation to slip and fall injuries and can help you determine whether or not your injury is covered.
What Does Homeowners Insurance Typically Cover?
Homeowners insurance covers damage to your home and belongings. It also provides liability protection if someone gets hurt on your property. The liability coverage portion of a homeowners insurance policy is what can come into play for slip and fall injuries. This coverage is designed to protect the homeowner from financial responsibility if someone is injured on their property.
If a guest slips and falls on the insured property, the liability portion of the homeowner’s insurance may apply. It can cover medical bills, lost wages, and pain and suffering. This depends on your policy and the situation involving the injury. However, there are exceptions and limitations.
Does Homeowners Insurance Cover Injuries to the Homeowner?
If you, as the homeowner, slip and fall on your property, your homeowners insurance typically won’t cover your own medical expenses. This is because homeowners insurance generally covers liability for injuries to others, not the homeowner. However, you may have personal health insurance or an accident policy that could cover your medical bills in the event of a slip and fall injury.
It’s important to check your health insurance policy to understand what types of accidents are covered and whether any exclusions apply.
Does Homeowners Insurance Cover Slip and Fall Injuries on Your Property?
Homeowners insurance may provide coverage for slip and fall injuries sustained by others on the insured property, depending on the terms of the policy. However, certain conditions must be met:
Negligence or Hazardous Conditions
For the injury to be covered, the homeowner must generally be found negligent. For example, the homeowner may be liable for the injury if someone slips on a wet floor that wasn’t properly marked or cleaned. However, if the person was being reckless or not paying attention, the homeowner may not be responsible.
Type of Injury
The severity of the injury can also affect whether homeowners insurance covers the medical costs. Minor injuries may not warrant a claim, while serious injuries, such as broken bones or head trauma, are more likely to result in a claim.
Exclusions
Certain exclusions may apply. Injuries occurring in areas of a home that are not typically accessible to visitors—such as maintenance closets or hazardous basements—may not be covered under a homeowner’s insurance policy. It’s crucial for homeowners to carefully read the terms and conditions of their policy to understand any exclusions.
Understanding Homeowners Insurance Coverage for Slip and Fall Accidents in New York
Injuries from slip and fall accidents are covered by homeowners insurance, but only under certain circumstances. A homeowners insurance policy generally provides liability coverage for injuries sustained by others on a homeowner’s property. However, it won’t cover injuries to the homeowner and may not apply if the homeowner is found to be at fault or if exclusions are in place.
Contact Our Slip and Fall Accidents Law Firm in New York City at Rosenbaum Personal Injury Lawyers For More Help
If you’ve been injured in an accident in Manhattan, NY, and need legal help, contact our slip and fall accidents lawyers at Rosenbaum Personal Injury Lawyers to schedule a free consultation. We also serve in Brooklyn and the Bronx.
Rosenbaum Personal Injury Lawyers – New York City Office
100 Wall St 24th Floor
New York, NY 10005
(212) 514-5007
Rosenbaum Personal Injury Lawyers – Bronx Office
1578 Williamsbridge Rd suite 3b
Bronx, NY 10461
(212) 514-5007
(917) 905-2339
Rosenbaum Personal Injury Lawyers – Brooklyn Office
32 Court St #704
Brooklyn, NY 11201
(212) 514-5007
(917) 920-7332
