Does My House Insurance Cover Me If Someone Has Been Injured In My Home?

Does My House Insurance Cover Me If Someone Has Been Injured In My Home?


Home insurance

Quite often basic house insurance policy’s have a lot of extra cover that people don’t know about examples of these include:

  • Jury benefit, some policy’s have a daily benefit that can be paid to you or your spouse/partner to sit on a jury
  • Domestic employees or visitors belonging
  • Frozen food, if the electricity is cut off or your freezer breaks down you can recover the cost of the frozen food loss in your deep freezer

A very important part of basic household insurance policy is that of public and personal liability. Most policies will cover domestic employees and visitors entering into the property. For example, children’s birthday parties are usually covered, i.e. if a child becomes injured whilst attending a birthday party in your home the insurance company will provide cover for that personal injury claim

If you have temporary or occasional employees for example somebody carrying out repairs or decorations, a cleaner or childminder and they become injured in your home then your household insurance policy will provide cover

Interestingly some policy’s will also cover members of the household if they injury a person outside of the house for example if you accidently trip someone on the footpath or if you struck a passer-by with your umbrella and caused an injury to that person then your insurance policy may provide cover for any claim made against you.

Therefore, when it is time for renewal of your household insurance policy you should read the benefits that are included very carefully make your decision whether additional benefits may be of some assistance to you.

Should you require any further information regarding this matter please do not hesitate to contact us at McElhinney & Associates, Drumboe Lodge, Stranorlar, Co. Donegal on 074 91 75989 or


*In contentious business a Solicitor may not calculate fees or other charges as a percentage or proportion of any award or settlement

**This information is for guidance purposes only. It does not constitute legal or professional advice. Professional or legal advice should be obtained before taking or refraining from any action as a result of the contents of this publication. No liability is accepted by McElhinney & Associates for any action taken in reliance on the information contained herein. Any and all information is subject to change.