Home accidents can happen at any unsuspecting moment such as recent cases of accidents stemming from window falling. The owner of the property or the tenant at the time of the incident will be held responsible and must compensate for any third-party injuries, damages, and even death. In general, home insurances come with a “public liability” protection which safeguards the policy owner from incidents like these.
Insurance companies will generally see if a window has been modified or not to determine if it’s considered part of the building structure. If a window is deemed to be a building structure, it is covered by a fire insurance and home insurance if otherwise.
Take Generali’s Home Package Insurance for example, it offers up to $1,000,000 for home content protection and up to $7,500,000 for public liability. Buying a home insurance will give you financial security and put your mind at ease.
Please note that there are many different types of home insurance on the market, with different coverage and compensation amounts. Therefore, you should read the detailed terms of the insurance policy and understand the scope of protection before applying.
The information above is for reference only. For detailed coverage or exclusions, please refer to the insurance company’s policy terms and conditions.
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