When you invite dinner guests into your home, you may worry about the possibility of food poisoning. Even if food poison is not a concern, you may face high cost medical expenses if a guests in your home becomes sick from food poisoning shortly after a visit to your house. Fortunately, liability protection is available to help manage the cost in Dallas / Fort Worth, Texas.
Liability in a Policy
A homeowners insurance policy will usually have some protection against liability whenever a guest visits your home. The policy will protect against basic injuries, such as a fall down a flight of stairs or tripping on ice in front of your house. It may also protect against food poisoning when the other party proves that the sickness stems from the dinner that they ate.
Differences in Policies
Although liability protection may provide some relief from high cost medical expenses, you may discover that an exception or clause will prevent you from making a claim. Some insurers may not protect against food poisoning or may have a limitation on the amount of coverage. In some cases, it may be necessary to provide that the sickness stems from the house.
The problem with food poisoning is that it can come from a variety of sources and it may not show symptoms immediately. If the insurer discovers that the food poisoning did not take place in your home, then they may refuse to pay for the medical bills.
Liability protection is designed to help protect against high cost hospital bills by paying for the expenses. Depending on the situation and your policy, you may or may not be covered by your insurer. To learn more about liability protection, contact us to talk to an independent agent.