Negligence - Home Insurance

What is Negligence? 

<lingo>Negligence is a way of determining blame for an insurance related claim. It assigns fault to a person or entity because that person or entity did not behave in a way that would be considered safe, responsible or prudent in a particular situation. In the case of homeowner's insurance, a homeowner may be held negligent and therefore responsible for a liability claim should a guest or visitor become injured when tripping over lose carpeting, uneven concrete or suffers a fall due to inadequate lighting. Negligence is the assignment of blame for not proactively resolving a potential situation that could cause harm to another.</lingo>

Negligence, Briefly Explained

Negligence is the term that assigns blame when a person is injured due to the inaction of another. While most negligence cases in a home insurance setting may involve trip and falls due to wet floors, loose carpeting or uneven sidewalks, negligence could also be assigned in cases where visitors became ill due to under or improperly cooked foods or even those resulting from backyard trampolines, pools or from the bite of an unrestrained dog. 

The premise is that homeowners should act in certain acceptable ways and take certain precautions for the protection of visitors to their property. Part of the burden in proving negligence is demonstrating the homeowner was aware of a potential danger ahead of an incident and failed to take appropriate action to correct the situation. 

<twitter>Negligence is a way of determining blame for an insurance related claim. It assigns fault to a person or entity because that person or entity did not behave in a way that would be considered safe, responsible or prudent in a particular situation.</twitter>

Negligence is frequently covered through the liability coverage protection of a homeowner's insurance policy. Homeowners can be subject to a liability claim due to negligence from a visiting friend, neighbor, family member or by a delivery person or landscaper. Homeowners can best protect themselves from such claims by making sure their properties are sufficiently maintained and safe to reasonable standards. This should include minimizing trip hazards, providing sufficient lighting and fixing cracked or crumbling concrete. Dogs should be kept away from guests and areas like pools and trampoline should be secured when not in use. 

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