Does Homeowners Insurance Cover Slip and Falls in NY?

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A slip-and-fall accident at someone’s home can lead to serious injuries and massive medical bills. If you got hurt at a residence in New York, you may be eligible to seek compensation through the property owner’s homeowners insurance. The highly experienced New York City premises liability attorneys at Finz & Finz, P.C. can help you pursue maximum compensation for your injuries. Contact us today for a free consultation about your slip-and-fall case.

Homeowners Insurance Coverage for Slip-and-Fall Accidents

Most homeowners insurance policies in New York include personal liability coverage for injuries on an individual’s property. This coverage protects both the homeowner and injured visitors, providing financial resources to cover medical expenses, lost income, and other costs related to the injury.

Standard homeowners insurance policies typically provide:

  • Coverage for medical expenses
  • Liability protection
  • Legal defense costs
  • Property damage coverage

When Does Homeowners Insurance Cover Slip-and-Fall Accidents?

Homeowners insurance generally covers slip and fall accidents when:

  • The homeowner failed to maintain safe property conditions.
  • A dangerous condition existed that the homeowner knew or should have known about.
  • Hazards weren’t adequately marked or communicated to visitors.

When Does Homeowners Insurance Not Cover Slip-and-Fall Accidents?

Several situations may prevent coverage under a homeowners insurance policy. For example, homeowners insurance will not cover incidents in which:

  • The injury resulted from intentional actions by the homeowner.
  • The accident occurred due to normal wear and tear on the property.
  • The injured person was trespassing.
  • The homeowner’s insurance policy limits have been exceeded.
  • The incident falls under specific policy exclusions.

Consulting with an experienced New York premises liability attorney can help you clarify whether any of these exceptions apply in your case.

What to Do If You Are Injured in a Slip-and-Fall Accident on Someone’s Property

Taking immediate action helps protect your right to compensation after a slip-and-fall accident. If you sustain injuries on another party’s property, be sure to:

  • Seek medical attention right away.
  • Document the accident scene with photos or videos of the dangerous condition.
  • Report the incident to the homeowner.
  • Gather contact information for any witnesses.
  • Keep all medical records and accident-related bills.
  • Avoid giving statements to insurance companies until you have consulted a proven premises liability attorney. 

The skilled legal team at Finz & Finz, P.C. will thoroughly investigate your case and deal directly with insurance companies on your behalf. We understand the tactics insurers use to minimize or deny valid slip-and-fall claims, and we will fight aggressively to protect your interests.

Contact Our NYC Premises Liability Lawyers for a Free Consultation

For over 40 years, Finz & Finz, P.C. has helped slip-and-fall victims secure the compensation they deserve. Our highly experienced trial lawyers have obtained numerous multi-million-dollar verdicts and settlements for our clients, and we’re ready to put our experience to work for you.

Don’t let insurance companies minimize your suffering or deny you fair compensation. Let our slip-and-fall attorneys stand up for you in your time of need. Call us toll-free or complete our online form for a free case review.