☰ ˟
Send us a text: 269-339-0002 Language Selector
Logo Bulgarian Logo
  • Home
  • Get A Quote
    • Annuities
    • Automobile
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Farm
    • Flood
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
    • Life
    • Motorcycle
    • Pet Insurance
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Earthquake
    • Flood
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Important Files
    • Insurance Glossary
  • About Us
    • About Allen Harmon Mason Selinger Insurance Agency
    • Our Locations
    • Employee Directory
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > Who Is Responsible When an Uninvited Visitor Is Hurt on Your Property?
FRIDAY, DECEMBER 8, 2017

Who Is Responsible When an Uninvited Visitor Is Hurt on Your Property?

image of home in michiganHere's is a scenario. A person selling items comes onto your property. They slip and fall on your steps. They suffer significant injuries. Who is responsible?

The question is a concern because you did not welcome this person onto your property. They did not have permission to enter it. It can seem, then, that you are not responsible for their loss. However, that is usually not the case. The good news is your home insurance is likely to help cover your losses.

Premise Liability

Home insurance is a bit complex in the case of uninvited guests. This is a gray area in many cases. It often is the type of claim taken to court to allow a judge to resolve it. There are a few things that can protect you, as the homeowner, in this situation.

A key concern here is that state laws differ. Many states honor the no duty rule for a trespasser. If the property owner does not know the trespasser is on the property, the individual has no protection from injuries suffered. That is applicable often as long as the owner did not give the individual permission to enter. However, there's a catch. The property owner usually cannot act in a reckless manner towards that person. For example, you can't turn the water hose on a door-to-door salesman.

Still, property owners may hold some of the liability in this matter. If the individual has purposefully made the property unsafe and provided no warning, that is a concern. If the property owner knows about a key risk and does nothing about it, that too can be a factor here. Here is an example. If the property owner knows the steps are dangerous and does not warn people, he or she could have some liability for damage.

In nearly all cases, the court will assign a level of fault to each party. This will determine if the property owner is responsible for any of the losses. In some cases, this does not occur at all. However, when the property owner does have some role, home insurance often helps. Home insurance can cover many claims of liabilities. This usually includes medical bills for injuries to a third party. Home insurance can also offer legal defense in such cases.

Keeping your property safe is wise. Warning others to stay off of it is also necessary. Nevertheless, home insurance offers some key protections in this area. Report your claims to your agent for help. Need home insurance? Call Allen Harmon Insurance at 269.441.5156.

Are Trampolines an Insurance Risk?

 

Posted 6:11 PM

Tags: home insurance, home insurance claim
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012

  • insurance(32)
  • home insurance(25)
  • auto insurance(25)
  • business insurance(22)
  • tips(22)
  • coverage(21)
  • life insurance(20)
  • battle creek(14)
  • savings(12)
  • health insurance(9)
  • battle creek auto insurance(9)
  • battle creek home insurance(8)
  • battle creek life insurance(7)
  • battle creek car insurance(7)
  • safety(6)
  • battle creek homeowners insurance(5)
  • boat insurance(4)
  • general liability(4)
  • car insurance battle creek(4)
  • premiums(4)
  • auto(4)
  • commercial auto insurance(4)
  • auto insurance battle creek(4)
  • life(3)
  • costs(3)
  • winter(3)
  • workers compensation(3)
  • michigan(3)
  • health(3)
  • battle creek business insurance(3)
  • commercial auto(2)
  • policy(2)
  • protection(2)
  • homeowners insurance(2)
  • allen harmon insurance(2)
  • property insurance(2)
  • battle creek health insurance(2)
  • general liability insurance(2)
  • claims(2)
  • driving(2)
  • cold(2)
  • battle creek mi homeowners insurance(2)
  • home insurance battle creek(2)
  • homeowners insurance battle creek(2)
  • homeowners(2)
  • commercial(2)
  • battle creek bombers(1)
  • teen drivers(1)
  • workers(1)
  • compensation(1)

View Mobile Version
Facebook icon Twitter icon Google Icon Twitter icon
Allen Harmon Battle Creek | 230 N Helmer Rd | Battle Creek , MI 49037 | (269) 441-5156 Allen Harmon Rochester | 961 Oakwood Dr | Rochester, MI 48307 | (877) 205-0051
© Copyright. All rights reserved.
Powered by Insurance Website Builder