CIVIL LIABILITY & HOME INSURANCE WHAT DOES IT COVER?

 The insurance covers us against risks that can cause us losses; And, for most of us, one of the worst risks to face is that we cause harm to another (what in law is called "a third party") and that other claims compensation from us. This is the reason why companies, businesses, professionals, and of course motor vehicle drivers have, sometimes of their own free will, sometimes by rule of law, take out liability insurance or RC. Well, although you may not know it, you are also covered by liability insurance thanks to your home insurance. We are going to explain the most varied situations in which it protects you.

Civil liability is not claimed only to professionals or businessmen. Also in the most intimate sphere, which is that of the home and the family, we can cause damage to third parties that we have to repair. That is why the family insurance par excellence, home insurance, also covers the family itself and the acts that it may commit. This is often called civil liability of the head of the family and, the truth, few people are aware of the varied range of situations that it can cover (although you must not forget that generic exhibitions like this cannot replace the reading of your contract for sure, which is the one that will tell you, in your particular case, what types of things you have covered, and which ones not).

What is the civil liability of the head of the family?

In the first place, the CR of the head of the family understood as the person who is at the head of the family unit, includes all the people and other beings who depend on him. This includes three broad categories: dependent minors, domestic staff, and pets. All three can cause harm to third parties.

6 situations covered by home insurance liability

1. A bad day for your dog

All owners of pets are obviously responsible for the damage they cause to people, things, or other animals. In fact, as you know, there is neat legislation in Spain, national and regional, which sets minimum insurance limits for the owners of certain animals; If this is your case, it is good that you review the limits of the home contract because although it includes coverage in this regard, they may reach the thresholds set by law.

2. A flying pot

In general, the head of household's CR covers damages caused by any solid or liquid object that falls from the house onto the street, causing damage. The traditional case of the pot, which happens more times than you imagine.

3. The poor aim of your children

Many children, and it is known, believe that the whole world is a football stadium and do not usually think about the consequences of kicking the ball like hell. Sometimes the neighbor's windows pay the price. If your child breaks the glass to the fifth, the CR of your home insurance may bear the costs.

4. A misstep of your domestic worker

During the development of their work, domestic workers may have some stumbling blocks and something falls for example through a window and cause damage to third parties. These damages would be covered by home insurance.

5. The salad with which you poison your brother-in-law

The RC covers the damages suffered by people and things inside your house. In Spain, certainly, we are less given than in other latitudes to report our own brother-in-law if one day we have an accident at home; but even so, the coverage exists. A coverage that can protect you in the event that you invite friends or family over because you are going to cook yourself, then it turns out that you misinterpret Arduino's instructions, and you go and intoxicate them.

6. The rearview mirror that you take with your bike

The CR of the home insurance also covers possible damages caused by practicing non-federated sports (amateur, then) or, for example, when you go out with the bike. But remember, don't get confused: we are talking about CR, that is, the damage you cause someone with your bike. The RC does not cover damage to your own bike or you have suffered yourself if you are the cause of the mishap.

So, read your home insurance contract well because it can save you from the most unexpected situations.