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Generally, an umbrella insurance policy can cover a fall in your house, but only after you have exhausted the liability limits of your homeowners insurance. The homeowners policy provides the first layer of protection, with the umbrella policy providing a second layer for major claims. 

 

How coverage works for a fall

1. Homeowners insurance pays first: A standard homeowners policy includes personal liability coverage for bodily injury to others on your property. It will pay for the injured person's medical expenses, lost wages, and other related costs up to the policy's liability limit.
2. Umbrella insurance takes over: If the claim for medical bills and other damages exceeds the liability limit of your homeowners policy, your umbrella policy would then kick in to cover the remaining costs.
3. Covers lawsuits: If you are sued as a result of the fall, both your homeowners and umbrella policies can cover legal fees and settlements. The umbrella policy ensures you are protected even if the lawsuit results in a large judgment that goes beyond your standard policy's limits. 

 

Example scenario

• A guest falls on a broken step in your house, resulting in severe injuries and medical bills totaling $750,000.
• Your homeowners policy has a liability limit of $500,000. It would pay out the full $500,000 to cover the initial costs.
• Your umbrella policy, which likely provides at least $1 million in additional liability coverage, would then cover the remaining $250,000.
• Without an umbrella policy, you would be responsible for paying that $250,000 out-of-pocket, potentially putting your personal assets at risk. 

 

What is not covered

• Your own injuries: Liability coverage from both homeowners and umbrella policies covers injuries to others, not to you or other members of your household.
• Intentional harm: The policies do not cover damages or injuries that you or a family member caused on purpose.
• Business activities: If the injury was related to a business you run out of your home, it would likely not be covered under a personal umbrella policy. You would need a commercial umbrella policy for that.