Let's say there's a loose handrail in your house and it causes someone to fall. Or what if your son accidentally hits a baseball through a neighbor's window? In either case, you may be found legally responsible to pay for any injuries or damages.
A. If you or a family member cause injury to another person or damage to their property, your homeowners policy may help pay for the damages.
B. If someone injures himself on your property due to your negligence, your homeowners policy may help you pay for their injuries and any legal costs.