Need Legal Help? Call 215.925.4451

Homeowners Insurance & Personal Injury Accidents in Pennsylvania (Part A)

Phil Blackman-Pennsylvania New Jersey Personal Injury LawyerPublished on behalf of Philip Blackman, an experienced personal injury lawyer who has devoted his entire career to helping individuals and families who have been injured due to medical malpractice, car accidents, fall accidents and more. FREE Consultations: 215.925.4451

Many homeowners do not know that their homeowners insurance policy often provides coverage for accidents which occur on the insured property. However, only those who are not covered under the policy or otherwise related to the insured can make such a claim (i.e., guest/neighbor). In a standard homeowners insurance policy, this type of coverage is called “liability” or “general liability” coverage.

Coverage generally applies only in cases when the homeowner or someone else insured under the policy commits negligence. In other words, a homeowners insurance claim can be made against the homeowner by someone who comes onto the property and sustains injuries in an accident which was caused by the homeowner. Under Pennsylvania law, guests, neighbors, certain utility workers, etc. may be able to bring such a claim.

A homeowner would be barred from making a homeowners insurance claim to recover for injuries that the homeowner sustained in an accident on the insured policy. Homeowners insurance operates much like auto insurance – when you’ve committed negligence and are liable, your insurance policy will apply.

In addition, liability coverage under a homeowners insurance policy often covers negligent acts committed by the homeowner while away from the insured property. In other words, a homeowners insurance policy may cover a homeowner who commits negligence say, at a neighbor’s house down the street, while shopping at a mall or eating at a restaurant.

The following is am example of a situation where a homeowners insurance policy applies to a situation when a homeowner causes injury to another person negligently. A homeowner goes to a restaurant or bar and has one drink too many. He or she accidentally knocks into someone so severely that the person falls back and hits their head, suffering a serious head injury. The act of drinking too much and knocking into an individual may be covered by the drunk person’s homeowners insurance policy. Therefore the injured individual could make a claim against the drunk person’s homeowners insurance policy to recover for the injuries. Many people are surprised to learn that homeowners insurance policies often work in this manner.

Click here to read Part B of this article which discusses three common exceptions to the application of homeowners insurance coverage to personal injury accidents in PA.

Related accident content:

Philadelphia Slip & Fall Accident Lawyers

Schwartz & Blackman has been representing the injured and their families for over thirty years in slip and fall accident cases. Our firm offers a free consultation for all Pennsylvania and New Jersey injury and accident victims. Call now and ask for your free consultation. 215.925.4451

Schwartz & Blackman handles fall down accident cases in the Pennsylvania and New Jersey area:

  • PA: Berks County, Bucks County, Chester County, Delaware County, Montgomery County, Philadelphia County, Allentown, Lehigh Valley, Norristown, Philadelphia
  • NJ: Atlantic County, Burlington County, Camden County, Gloucester County, Mercer County, Middlesex County, Monmouth County, Camden, Cherry Hill, New Jersey shore cities

*This website does not provide legal advice. Every case is unique and it is important to get a qualified, expert legal opinion prior to making any decisions about your case. See the full disclaimer at the bottom of this page.

Fall Accident Law Library

Landlord Liability for Fall Accidents in Pennsylvania, Part Two

Landlords in Pennsylvania may be held liable for falls and other types of incidents which occur in and around the rented premises. Pennsylvania law certainly recognizes landlord liability; however liability varies, depending on the type of landlord. PA law recognizes...

Landlord Liability for Fall Accidents in Pennsylvania, Part One

Tenants and their guests who are injured in fall accidents often ask whether the landlord is liable for the accident. The answer depends on the circumstances of the case and more importantly, the type of landlord. In fall down accident cases, Pennsylvania courts...

Who can be held liable for a stairway fall accident in Pennsylvania?

There are many potential defendants in a stairway fall accident lawsuit in Pennsylvania. While the facts of each case vary, there are for the most part, two common defendants in a stairway fall accident case: 1. Building Owner Under Pennsylvania fall accident law, a...

Pennsylvania Fall Accident Law – Viability of a Stairway Fall Accident Case

Stairway fall accidents are particularly dangerous. Someone who falls down an entire flight of marble stairs may suffer catastrophic injury. Fractured bones, spinal injuries and head trauma are very common in stairway accidents. Those who are injured in stairway...

I was making a delivery and tripped on the property where I was making a delivery. Do I have a claim against the homeowner?

Homeowner liability cases involving a delivery person or utility worker are actually very common. Even though the individual was on the job at the time of the accident, they may be able to make a negligence claim against the homeowner. Such a claim would be...



    *No attorney-client relationship is created by use of this email form. Do not email confidential or time-sensitive information. Call the firm for immediate assistance.


    Pennsylvania Office
    The Pavilion
    261 Old York Rd., Suite 504
    Jenkintown, PA 19046
    Tel: (215) 925-4451
    Fax: (215) 574-1200

    New Jersey Office
    1415 Route 70 East
    Cherry Hill, NJ 08034
    Tel: (856) 427-0614
    Fax: (856) 424-3690