Homeowner’s insurance. The standard homeowner’s insurance policy includes liability protection. If you were injured in a slip and fall (or other type of accident at someone’s home), their liability insurance will cover them against lawsuits for bodily injury (that they or their family members) have caused. Their liability insurance may pays for damage caused by pets.

The liability portion of their policy pays for both the cost of defending them in court and any court awards-up to the limit of their policy. They are covered not just in their house, but anywhere in the world.

In Florida, liability limits generally start at about $100,000. However, we recommend that homeowner’s purchase at least $300,000 worth of protection. Some people have more than $300,000 worth of coverage. Others purchase an umbrella or excess liability policy which provides greater liability limits.

The policy of the home where you are injured may provide no-fault medical coverage. If you are a friend or neighbor (or anyone) injured in someone else’s home, we can submit medical bills to the person’s insurance company. If the homeowner has no-fault medical coverage, the limits generally range from $1,000 to $5,000 and often are not enough to cover you for pain and suffering, loss of enjoyment of life, loss wages.

One of our most recent settlements ($87,000) was for a young man bit by a dog on a homeowner’s property. Justin Ziegler currently represents clients injured by dog bites and trip and falls on homeowner’s property. If you have been seriously injured, you do not want to go up against the insurance company providing homeowners insurance without us on your side.