How To Ensure Your Guests Are Safe When Visiting Your Home

​Imagine this: the weekend dinner you have planned with your friends has finally arrived. You catch up over a nice meal and drinks, and suddenly, one of your guests slips on the floor. How will you manage such an incident, and are you prepared for it? Here’s how your home insurance can help you resolve the issue and pay the necessary medical bills.

What is Home Insurance?
Homeowners insurance is a type of insurance to protect your home, including furniture and fittings, from damages. This insurance is also obtained to provide safety from accidents that may occur on one’s property. Although it’s something that no one wants to happen, it’s advisable to plan for an unexpected event.

Will Accidents in my Home be Covered?
Your home insurance typically covers accidents that happen in your residence through personal liability. In the unfortunate event that a guest falls on the stairs or slips, the right insurance will save you costs. It will help you with your expenses if you are found liable for an accident within your domain. Here are some costs that your insurance may cover:

Medical Expenses
If your guests’ injury needs medical attention, you may be held liable if your negligence causes the accident. If you have home insurance, this will typically be covered, which can help you save out-of-pocket expenses. The right insurance policy will help with the payment of the injured guest’s medical bills. 

Distress
Paying for the medical bills may not be the only expense to arise from an injury in your home. An injured guest may sustain the pain longer than expected, and legal action may be taken against you. Settlements can cause a lot, so an insurance policy will help you with your legal expenses.

Wage
Medical experts may require the injured guest to be away from work for some time. This period may mean that the injured will not receive any salary because of the inability to work. If you are legally proven to be liable for this, you are responsible for providing the compensation.

Death Benefits
It’s not easy to think about a tragic event in your home, but it’s something that you should prepare for. Typically, your insurance should be able to provide death benefits to the bereaved. 

Conclusion
Certainly, you would not wish to cause injury to your guests, but preparation is key. Getting the right insurance policy will help you assist the injured, save money, and receive the right legal help.

At Arnold Insurance Agency, LLC, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (318) 965-5953 or Click Here to request a free quote.