They may have told you about or you may have seen civil liability coverage in Home Insurance in the policy. Although it may not seem like it, it is essential that you include this clause for the protection of incidents against third parties.
Let's see what civil liability is, why it is important and what it covers in Home Insurance.
What is civil liability in home insurance
Civil liability is obligation of every person to repair the damages caused to the person or in some element of its patrimony.
It is regulated in article 1902 of the Civil Code which says that:
"Whoever by action or omission causes damage to another, intervening fault or negligence is obliged to repair the damage caused."
In any insurance that includes coverage related to civil liability, this will be in charge of covering the damages that the insured causes to third parties. Specifically, the Home insurance has civil liability coverage for take charge of situations in which personal or material damage is caused to a neighbor. A very common example in which this coverage comes into play is that the insured wets the roof of the house of the neighbor downstairs due to a breakdown or a domestic accident, usually related to pipes, downspouts or their accessories.
Coverage of civil liability in home insurance is what makes the insurance company take charge of solving the problem caused to a neighbor, paying all repair costs and mediating conflicts that can occur in this type of situation, avoiding a confrontation between the insured and the person who has suffered the damage.
Therefore, Liability insurance included in the insurance policy Home Insurance It can be the best coverage and response to accidents and situations that may occur in a home and that affect other people or their homes.
Why is it so important
As we have seen, coverage by civil liability in home insurance It is the one in charge of dealing with the damages caused to third parties by the insured. These types of situations are very frequent, both in personal and material damage, so liability coverage is one of the most used by the insured.
Even if you don't live in a block of flats and don't have neighbors, the coverage of the civil liability in home insurance It is very useful and recommended, since not only covers people who reside in the same building, but anyone that suffers damage caused by the insured.
Accidents can happen at any time and to anyone. That is why we are all exposed to incurring civil liability and we should have an insurance policy. insurance cover these eventualities.
In order to be able to repair the damages caused to third parties and their property, it is important to have a Liability insurance, which is the financial instrument that It will allow the responsible party to comply with their obligations, without having to affect their assets or suffer an embargo.
What does the civil responsibility of home insurance cover?
Coverage for civil liability in home insurance may vary from policy to policy but they usually cover damage to third parties caused by the home or the inhabitants of the insured house.
The variety of types of damage which usually covers home insurance civil liability are:
- Material damage. The objects, parts of other homes and all the elements that damage the insured or his home, also called real estate civil liability, will be replaced at a charge to the insurance or, if applicable, fully restored or repaired so that they are in the same state as before the third-party damage claim occurred. This includes walls, ceilings and floors, and also other decorative elements such as mirrors, furniture or toilets, for example, provided that their breakage or damage was directly caused by the insured or their home.
- personal injury. Damages of a personal nature are those in which people are involved as the cause of the damage or as victims of the damage, active or passive agents. These types of incidents are also covered by civil liability in home insurance. As a general rule, it includes acts that may cause both the owner of the insurance as their relatives and/or inhabitants of the house in general.
As we have mentioned, family and real estate liability are usually part of this civil liability and expenses that may arise from this type of damage are included both material and personal, such as compensation, bonds and legal costs.
Damages caused by the use of the insured home and those caused by the common elements of the building where the dwelling is located, if it belongs to a residential building, they are also included.
In the case of carrying out works in the insured house and provided that all the legal permits to execute it are available, the damages that could be generated as a result of the reform are also covered by civil liability insuranceil.
In the case of tenants who hire a Home insurance personally, they would be covered against the owner of the house when an accidental loss occurs.
La home insurance liability, the amount to be received or the coverage will depend on what has been contracted and paid in the policy.
Civil liability in home insurance It is a fundamental coverage, since it covers damages caused to third parties by the insured, his family or the home in which he resides. It usually includes both material and personal damage, the details of the coverage must be consulted in the policy. Thus, damage caused by a reform and by the common elements of a building can be included.
At Euroteide Seguros (Insurance advisors) We have been advising for many years on civil liability in home insurance, as well as in other types of insurance in which it is also included, businesses, SMEs, and many more. also from the professional civil liability so recommendable in the liberal professions and freelancers. If you want more information about civil liability in home insurance, or of any other type, including professional, do not hesitate to contact us, we will be happy to help you and suggest you.