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Homeowners Insurance, accidental death in home
Posted on 5/29/25 at 2:22 pm
Posted on 5/29/25 at 2:22 pm
If a family member (residing in that home) falls and passes away from injury, does homeowners insurance offer any benefits ?
17
Posted on 5/29/25 at 2:25 pm to lgtiger
Their survivors can sue you for premises liability and your insurance may indemnify you for liability up to your insurance limits.
Posted on 5/29/25 at 2:30 pm to lgtiger
quote:
If a family member (residing in that home)
interesting. what is the relation of deceased to policy holder? Does that member have any interest in home?
Posted on 5/29/25 at 2:39 pm to lgtiger
If the person isn't a named insured on the policy, then of course the liability portion of the policy would pay out, and likely pay out the entire limit if the homeowner was liable in some way.
Liability claims on homeowners policies are often the biggest claim the policy will ever pay out and if the deceased's death was caused by injuries that occurred on the property, then I'd say the family is in for a payout.
One caveat here: if the deceased was paying rent to live there. Sometimes there could be no coverage at all if money was exchanged in return for them living there since the insurance company could make the argument that the homeowner was running a rental business out of the home without the proper coverage. It just truly depends on what type of coverage the homeowner has/had at the time of the initial injury.
Liability claims on homeowners policies are often the biggest claim the policy will ever pay out and if the deceased's death was caused by injuries that occurred on the property, then I'd say the family is in for a payout.
One caveat here: if the deceased was paying rent to live there. Sometimes there could be no coverage at all if money was exchanged in return for them living there since the insurance company could make the argument that the homeowner was running a rental business out of the home without the proper coverage. It just truly depends on what type of coverage the homeowner has/had at the time of the initial injury.
This post was edited on 5/29/25 at 2:43 pm
Posted on 5/29/25 at 3:06 pm to lgtiger
quote:
lgtiger
What happened?
Posted on 5/29/25 at 3:48 pm to lgtiger
quote:
If a family member (residing in that home
Almost all polices have an exclusion for a household relative with regards to med pay/liability.
In fact I can’t think of a single policy that does not exclude household family members.
This post was edited on 5/29/25 at 3:49 pm
Posted on 5/29/25 at 3:56 pm to lgtiger
The fall would have to have occurred because of some defect or negligence on the part of the homeowner.
Besides, a resident family member probably couldn't collect anyway.
Besides, a resident family member probably couldn't collect anyway.
This post was edited on 5/29/25 at 10:34 pm
Posted on 5/29/25 at 3:57 pm to lgtiger
don't push your elderly parent please.
Posted on 5/29/25 at 4:00 pm to lgtiger
Not now
Posted on 5/29/25 at 4:10 pm to lgtiger
The med pay portion under the liability section I believe. Usually 10% of liability limit and pays regardless of fault.
Posted on 5/29/25 at 7:23 pm to kengel2
Sibling was living in mother’s home, fell and hit head on table, brain bleed. The mother had passed away a short time before . So as a relative living in home a no go on insurance I imagine
This post was edited on 5/29/25 at 7:38 pm
Posted on 5/29/25 at 7:51 pm to lgtiger
Short answer: No
Longer answer: The policy holder and relatives who live in the household are defined as “insureds”. You can’t make a liability claim against a homeowner policy if you’re considered an insured on the same policy.
If it were a relative who didn’t live in the house, it would be a different situation.
Longer answer: The policy holder and relatives who live in the household are defined as “insureds”. You can’t make a liability claim against a homeowner policy if you’re considered an insured on the same policy.
If it were a relative who didn’t live in the house, it would be a different situation.
Posted on 5/29/25 at 7:52 pm to Cutty713
quote:See my answer above.
The med pay portion under the liability section I believe. Usually 10% of liability limit and pays regardless of fault.
But no. Med pay applies to guests. Not to household residents.
Posted on 5/29/25 at 7:54 pm to lgtiger
Youll get Life Alert ads nonstop retroactively
Posted on 5/29/25 at 7:56 pm to lgtiger
Come on, you kind of owe us some details
Posted on 5/29/25 at 7:59 pm to TDsngumbo
quote:Not in this case because the deceased person was a resident of the home and a relative of the named insured. A relative who is a household resident is defined as an insured. Policy is going to exclude liability for injuries to an insured.
If the person isn't a named insured on the policy, then of course the liability portion of the policy would pay out,
Posted on 5/29/25 at 8:03 pm to lgtiger
What caused the person to fall?
Not a lawyer… but liability needs 3 things.
1. Some duty of care owed to the other person.
2. A failure or breach of that duty
3. Injury or damages caused by the breach or failure.
If some trips over their own feet and hits a regular old table, how is it the fault of the homeowner? On the other hand, if said homeowner left banana peels on the floor and you fell on his game of thrones sword table, you might be looking at a suit.
Not a lawyer… but liability needs 3 things.
1. Some duty of care owed to the other person.
2. A failure or breach of that duty
3. Injury or damages caused by the breach or failure.
If some trips over their own feet and hits a regular old table, how is it the fault of the homeowner? On the other hand, if said homeowner left banana peels on the floor and you fell on his game of thrones sword table, you might be looking at a suit.
Posted on 5/29/25 at 8:07 pm to lgtiger
Posted on 5/29/25 at 8:12 pm to SidetrackSilvera
I guess that’s what liability would be for?
This post was edited on 5/29/25 at 8:16 pm
Posted on 5/29/25 at 10:14 pm to AndyJ
Details
Dead beat daughter sponging off her mother for 20 yrs fell, hit head on table and died 2 mo after mother. Was trying to see if any hope of a few $ to pay for cremation. Only $200 in her bank. $40000+ on credit cards, not worried about credit card companies getting paid
Dead beat daughter sponging off her mother for 20 yrs fell, hit head on table and died 2 mo after mother. Was trying to see if any hope of a few $ to pay for cremation. Only $200 in her bank. $40000+ on credit cards, not worried about credit card companies getting paid
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