This type of insurance is purchased by a homeowner and not only protects the owner's house in case of a fire, but also provides the homeowner with liability coverage for his or her own negligence. Keep in mind that just because an injury occurs on someone's property doesn't mean that his or her homeowners insurance is responsible. Like all other accident claims, the injured person will be required to prove negligence on behalf of the homeowner in order to recover compensation.
Some of the most common types of injury claims made against homeowners insurance policies include: dog attacks, swimming pool and diving accidents, playground and trampoline accidents, slip and falls and gun discharge accidents.
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