• Facebook
  • Pinterest
  • Twitter
  • Linkedin

Customer Login

InsuranceHub
Call Us Today(770) 497-1200
TRUSTED FOR30+ YEARS
MENU
  • PERSONAL
    • AUTO
      • Car Insurance
      • Boat Insurance
      • RV Insurance
      • Motorcycle Insurance
    • HOME
      • Homeowners
      • Condominium
      • Flood
      • Renters
      • Rental Property
      • Umbrella
    • HEALTH
      • Group Health
    • LIFE
    • Close
  • BUSINESS
      • Commercial Property
      • Commercial Auto
      • Commercial Umbrella
      • Surety & Fidelity Bonds
      • Directors and Officers
      • Special Events
      • Employee Dishonesty
      • Employment Practices Liability Insurance (EPLI)
      • Business Owner’s Policy
      • Cyber Liability
      • General Liability
      • Professional Liability
      • Liquor Liability
      • Product Liability
      • Spoilage Insurance
      • Equipment Breakdown
      • Workers Compensation
      • Group Benefits for Employees and Independent Contractors
      • Employer Services
      • Errors And Omissions
      • Crime Insurance
      • Inland Marine
      • Business Interruption
    • Close
  • INDUSTRIES
      • Auto Body Shop
      • Auto Services
      • Accountant / Auditor
      • Apartment Owners/ Habitational
      • Architecture/ Engineering
      • Carpet Cleaning & Janitorial
      • Chiropractic Office
      • Contractors
      • Dance School
      • Daycare
      • Employment Agency
      • Financial Planner 
      • Food Store
      • Home-Based Business
      • Garage Keepers
      • Landscaping Services
      • Lawn Irrigation
      • Liquor Store
      • Machine Shop
      • Manufacturing
      • Mortgage Broker
      • Nonprofit
      • Personal Care Services
      • Pet Care
      • Photography/ Videography
      • Portrait Studio
      • Printing & Copying Services
      • Professional Organizer
      • PR Firm
      • Real Estate Agent
      • Religious Institution
      • Restaurant
      • Retail
      • Electronics Store
      • Furniture Store
      • Gift Shop
      • Salon
      • Security System Contractor
      • Sheet Metal Fabrication
      • Technology
      • Theatrical Agency
      • Tow Trucks
      • Wholesale Distribution
      • Women’s Accessory Store
    • Close
  • RESOURCES
    • Pay Your Bill/ Report A Claim
    • FAQs
    • Insurance Glossary
    • Close
  • BLOG
    • Home Insurance
    • Auto Insurance
    • Business Insurance
    • Transportation
    • Close
  • ABOUT
    • Leadership Team
    • Careers
    • Contact
    • Corporate Responsibility
    • Review Us
    • Stay Connected on Social Media
    • Close
GET QUOTE

What happens if a guest causes damage to your home?

Home | Home Insurance | Insurance | What happens if a guest causes damage to your home?

24 Sep
2019

What happens if a guest causes damage to your home?

by Katelyn Betts | in Home Insurance, Insurance
What happens if a guest causes damage to your home?

So, having people come over to visit is a lot of fun. Family and friends are oftentimes welcome guests, and it can be nice to spend time with people you care about and relax a bit. Whether you just planned a dinner with some family friends or you’ve got guests staying for a week, having company can be exciting. But what would happen if your guest accidentally caused damage to your home? We’ll go over how the situation could play out – and how home insurance could help.

What happens if a guest causes damage to your home?

Despite how much we try to prepare for the future and have everything planned out to the minute, accidents happen. Your guest may not have meant to cause damage to your poor house, but it happens. No one is immune to moments of clumsiness.

Okay. If the situation is ideal and everything goes well, your guest might sincerely apologize and immediately tell you that they’ll repair the damage. (Which would be a load off your mind – no argument, no awkwardness, no dent to your bank account.) But that would be the absolute best-case scenario. Things may not be that simple – reality can get messy.


Protect your home from fires. Get a quick homeowners insurance quote today.

 


Technically your guest ought to be responsible for paying to repair the damage. Not only is it the right thing to do, but it could also be a legal thing. But the situation could get complicated if your family member or friend causes damage while visiting as a guest and they’re not offering to pay for repairs. However, they do have a responsibility to reimburse you for the expenses. If they flat-out refuse, you might have a case to take legal action.

Yeah, we understand that that might not be the route you want to take. You might feel like that would be out of the frying pan and into the fire.

So, home insurance.

Maybe you wonder if your home insurance typically covers you if a guest causes damage to your house. Generally, yes, it does. But you really need to read through your policy to make sure you know what’s covered and what’s not. Are certain situations excluded? Be familiar with your coverage and the language in the policy.

A couple of things to look for:

First, will the policy only cover the house’s structure (i.e. walls and the floors)?

Second, does the coverage only apply to accidental damage?

Don’t play guessing games with your insurance. Check your policy and read it carefully so that you know that you have the coverage you need. It’s important that you know what losses are covered and which aren’t.

You also have to consider whether it’s the best course of action to use your home insurance. If you use your home insurance to cover the damage instead of getting your guest to pay for it, you could end up with higher insurance rates. So, that’s something you need to think about depending on the situation. (Maybe the damage isn’t too bad and you can cover it on your own, out of pocket. Yes, you may never invite that guest back to your house, but it’ll be over with at least.)

So, yeah, that’s the deal with what happens if a guest causes damage to your home. Technically, the guest should be responsible for the damage – and hopefully your guest offers to cover it without any ado. Yes, your home insurance may cover the damage, but you need to consider if that’s the way you want to go. Your rates could go up. Also, make sure that you know what your policy covers and doesn’t cover. That’s always important.

insurancehub get insurance quote

So, if you need some home insurance quotes, let us know. We can help you get quotes for your insurance – our team is here to help. Fill out our online quote form, give us a call, or message us on LiveChat.

Share this article...
  • Facebook
  • Pinterest
  • Twitter
  • Linkedin
Tagged home insurance

About Katelyn Betts

Kate is a copywriter and licensed insurance agent for InsuranceHub. She graduated from the Savannah College of Art and Design with a BFA in writing. Kate has lived in Georgia for most of her life, and she enjoys reading, writing, and playing with her family's cats.

Post navigation

Property managers: 5 insurance tips for older buildings
Benefits of bundling commercial insurance

Related Post

Keep Toasty With A Great Winter Soup

Keep Toasty With A Great Winter Soup

10 Tips for Enjoying the Gemini Meteor Shower

10 Tips for Enjoying the Gemini Meteor Shower

National Safe Toys & Gifts Month

National Safe Toys & Gifts Month

CALL FOR A QUOTE!

(770) 497-1200

Speak with an insurance agent who can deliver transparent insurance options and competitive rates. Shop across all our carriers and get a fast & free quote!


Online Quote Form

Recent Articles

  • What To Do After Purchasing a New Home: A New Home Purchase Guide December 22, 2020
  • 5 Common Mistakes People Make on Homeowner’s Insurance Claims December 22, 2020
  • Did your credit score increase? It’s time to shop insurance rates December 10, 2020
  • Why it’s important for your employees to take time off December 8, 2020
  • Vacation Home Insurance 101: What It Is and Why You Need It December 7, 2020

Article Archives

  • December 2020 (5)
  • November 2020 (1)
  • October 2020 (8)
  • September 2020 (7)
  • August 2020 (4)
  • July 2020 (5)
  • June 2020 (4)
  • May 2020 (4)
  • April 2020 (6)
  • March 2020 (7)
  • February 2020 (4)
  • January 2020 (11)
  • December 2019 (11)
  • November 2019 (11)
  • October 2019 (15)
  • September 2019 (11)
  • August 2019 (13)
  • July 2019 (13)
  • June 2019 (12)
  • May 2019 (14)
  • April 2019 (13)
  • March 2019 (13)
  • February 2019 (14)
  • January 2019 (13)
  • December 2018 (13)
  • November 2018 (18)
  • October 2018 (16)
  • September 2018 (10)
  • August 2018 (10)
  • July 2018 (13)
  • June 2018 (10)
  • May 2018 (15)
  • April 2018 (10)
  • March 2018 (9)
  • February 2018 (9)
  • January 2018 (12)
  • December 2017 (9)
  • November 2017 (10)
  • October 2017 (9)
  • September 2017 (8)
  • August 2017 (9)
  • July 2017 (10)
  • June 2017 (9)
  • May 2017 (10)
  • April 2017 (10)
  • March 2017 (8)
  • February 2017 (6)
  • January 2017 (4)
  • December 2016 (5)
  • November 2016 (8)
  • October 2016 (8)
  • September 2016 (7)
  • August 2016 (9)
  • July 2016 (8)
  • June 2016 (8)
  • May 2016 (6)
  • April 2016 (9)
  • March 2016 (9)
  • February 2016 (7)
  • January 2016 (3)
  • December 2015 (4)

About Us

At InsuranceHub, it’s our mission to make insurance easy. Our goal is to be more than just an insurance agency. We want to be a partner and an advisor to our customers.

© 2020 InsuranceHub Agency, LLC. All rights reserved.

Licensing & Legal

Company Information

  • About Us
  • Leadership Team
  • Careers at InsuranceHub
  • Connect on Social Media
  • Pay Your Bill
  • Customer Login

Communications

  • Our People
  • Leadership
  • Careers
  • Corporate Responsibility
  • Review Us

Your Security Is Our Priority

1720 Lakes Parkway
Lawrenceville, GA 30043

Phone: 877-341-5728
Phone: 770-497-1200
Fax: 770-814-7187

FEW-0630AO (11/2018)
  • Auto
  • Life
  • Health
  • Business
  • Privacy Policy
MENU
  • PERSONAL
    • AUTO
      • Car Insurance
      • Boat Insurance
      • RV Insurance
      • Motorcycle Insurance
    • HOME
      • Homeowners
      • Condominium
      • Flood
      • Renters
      • Rental Property
      • Umbrella
    • HEALTH
      • Group Health
    • LIFE
    • Close
  • BUSINESS
      • Commercial Property
      • Commercial Auto
      • Commercial Umbrella
      • Surety & Fidelity Bonds
      • Directors and Officers
      • Special Events
      • Employee Dishonesty
      • Employment Practices Liability Insurance (EPLI)
      • Business Owner’s Policy
      • Cyber Liability
      • General Liability
      • Professional Liability
      • Liquor Liability
      • Product Liability
      • Spoilage Insurance
      • Equipment Breakdown
      • Workers Compensation
      • Group Benefits for Employees and Independent Contractors
      • Employer Services
      • Errors And Omissions
      • Crime Insurance
      • Inland Marine
      • Business Interruption
    • Close
  • INDUSTRIES
      • Auto Body Shop
      • Auto Services
      • Accountant / Auditor
      • Apartment Owners/ Habitational
      • Architecture/ Engineering
      • Carpet Cleaning & Janitorial
      • Chiropractic Office
      • Contractors
      • Dance School
      • Daycare
      • Employment Agency
      • Financial Planner 
      • Food Store
      • Home-Based Business
      • Garage Keepers
      • Landscaping Services
      • Lawn Irrigation
      • Liquor Store
      • Machine Shop
      • Manufacturing
      • Mortgage Broker
      • Nonprofit
      • Personal Care Services
      • Pet Care
      • Photography/ Videography
      • Portrait Studio
      • Printing & Copying Services
      • Professional Organizer
      • PR Firm
      • Real Estate Agent
      • Religious Institution
      • Restaurant
      • Retail
      • Electronics Store
      • Furniture Store
      • Gift Shop
      • Salon
      • Security System Contractor
      • Sheet Metal Fabrication
      • Technology
      • Theatrical Agency
      • Tow Trucks
      • Wholesale Distribution
      • Women’s Accessory Store
    • Close
  • RESOURCES
    • Pay Your Bill/ Report A Claim
    • FAQs
    • Insurance Glossary
    • Close
  • BLOG
    • Home Insurance
    • Auto Insurance
    • Business Insurance
    • Transportation
    • Close
  • ABOUT
    • Leadership Team
    • Careers
    • Contact
    • Corporate Responsibility
    • Review Us
    • Stay Connected on Social Media
    • Close