Robberies can quickly go sideways with one or more people severely injured. Homeowners can get shot or injured during the burglary, leading to them having to take weeks off work. The people who are robbing someone can also get injured, and there have been cases of them suing homeowners. Your home insurance policy in Houston TX may be able to help. 

Your Injuries

Generally, your policy won’t cover your personal bodily injuries. It also won’t likely cover injuries sustained by family members. You’ll have to rely on your medical insurance to help cover the cost of medical bills. You may be able to file a lawsuit against the person who committed the crime for things like lost wages. 

Guests Injuries

Your policy may cover injuries guests sustain in your home. These policies often apply to third-party claims, such as those involving injured guests. However, some specifically exclude illegal or intentional acts, which may mean that a robber shooting a guest isn’t covered. A third party may have to file a lawsuit and win for your home policy to pay for medical expenses. An agent at Heydari Financial Group can help you learn more. 

Burglars Injuries

Most homeowners have zero duty to protect someone who is robbing them. Self-defense laws often apply, so homeowners aren’t held liable if someone is robbing them, and they are injured. Stand-your-ground laws mean that homeowners are not legally required to retreat before using force, including deadly force. Although robbers have sued homeowners and won, that’s unlikely to happen. 

An agent here at Heydari Financial Group can help you learn more about your policy, and what coverage you have. Contact us today! We’re currently serving the Houston TX area.