Premises liability laws apply to fire accident cases in the same way that they apply to any other type of case. Homeowners’ insurance will cover the people who live in the home, including any children. The classic example, is the teenage party-gone-wrong, where a party guest is burned at a bonfire. Homeowners’ insurance may well cover everyone who was involved. A common misconception that people have is that an accident must occur on their property in order for their homeowners’ insurance policy to cover any resultant damages, but this is not true; even if a bonfire accident involving someone’s child occurred on someone else’s property, their homeowners’ insurance policy would likely cover the damages. Whenever you have questions about homeowners’ insurance coverage, it is usually best to seek the advice of a personal injury attorney right away.
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