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What Are Some Concerns Regarding Homeowner Liability?
Home ownership is a goal for many individuals and couples. However, owning a home carries much legal responsibilities with it. As a home owner, you become responsible in many ways for the safety and well-being of people who are entering and leaving your property.
Some examples of legal issues that involve homeowner’s liability may include:
- Injuries to visitors, i.e., “premises liability”
- Injuries resulting from the serving of alcohol at the person’s home
- The presence of drugs, illegal weapons, or contraband on the property
- Various zoning violations, especially where a structure of the property is extending out into public areas such as sidewalks
- Conflicts involving homeowner’s associations
- Rental disputes or conflicts
- Issues involving any home business operations
Thus, homeowners and future home owners need to be careful that they understand both their rights and their responsibilities. This can get tricky, since homeowner laws can vary from region to region.
What Is Homeowner’s Insurance?
Homeowner’s insurance can help protect the homeowner from liability in case anyone gets injured while on their property. There are many different types of homeownership insurance policies, many of which can provide the homeowner with relief in terms of the expenses associated with an injury.
On the other hand, no amount of homeowner’s insurance can do anything to actually prevent an injury from occurring. For example, if the homeowner knows that their stairs are in a state of disrepair, but they don’t do anything to fix it, someone could get injured. In that case, simply having insurance wouldn’t do much to prevent a guest or housemate from getting injured. Also, having homeowner’s insurance doesn’t prevent the homeowner from being sued in a court of a law.
In other words, home owner’s insurance can be effective for reducing the costs that happen after an injury or incident, but prevention of injuries is largely in the hands of the homeowner. They should take steps to regularly inspect their home for any potential dangers or flaws.
Do I Need a Lawyer Concerning Homeowner Liability?
Homeowner liability should be a concern for all home owners. Owning a home also means being responsible for the basic safety of persons on the premises. If you need legal assistance, or have any questions about home ownership laws, you should contact an attorney immediately. Your lawyer can help explain your rights and duties as a homeowner, and can represent you in the event that you need to go to court.
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Last Modified: 02-06-2014 04:50 PM PST
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