Can you collect on home owners insurance if you break your leg on your own property?

Answer 1

NO, THAT WOULD COME UNDER YOUR OWN HEALTH AND MEDICAL POLICY. IF A GUEST WAS INJURED ON YOUR PROPERTY, THE LIABILITY OR MEDICAL PART OF YOUR HOMEOWNERS POLICY WOULD LIKELY COVER THE INJURY, PRESUMING THAT YOU AS PROPERTY OWNER WERE LIABLE. AGENT JIM

Answer 2

If you have a Broad Coverage Homeowners insurance Policy, You will likely see that you have limited medical coverage for minor injuries in the home. Why Not just file a claim on your policy and give them the opportunity to cover the loss. A homeowners insurance policy should never be considered a replacement for your medical coverage.

You can only sue the Insurance Company if you have legal grounds. Generally you must prove 1. that they were the cause of your loss, or 2. that they failed to honor coverage provided on some part of your policy.

If you opted for a cheaper insurance policy that has no medical coverage, then suing them will do no good. How do you sue for coverage that you don't have?

Also bear in mind that it is not possible under color of Law to be Liable to oneself. So suing under the liability clause of your own policy would be considered a frivolous legal action and punitive damages could be brought against you.

Answer

Yes, But you would need to establish first that the homeowner was responsible for your injury whether by action or by negligence.

A homeowner is not liable for injury simply because it occurred on his or her property. The injury would need to be their fault otherwise you have no valid claim.

Your Major Medical insurance policy is the place to turn when you need medical services.

Answer

Sue themselves? Not a good idea. Sue their own insurance company? Chances of ever getting coverage again is pretty slim! Who would want a client that may sue them?

Now if one homeowner wanted to sue others that also own the home for injuries based on their negligence, there might be a possibility. But you can't sue yourself.

Answer 3

You can sue anybody you want. First, you need to make a claim. If they deny it, then that is the time to sue. But based on your question, the claim will be denied as there is no coverage for your injuries under the policy.