Will Home Insurance Cover Injuries from a Basketball Hoop on Your Home

The basketball hoop on your home does not seem to be anything that could cause damage. Yet, there are instances in which it can fall, and that could lead to home insurance claims. If you have one, be sure it is secure. Check on it every few months to maintain this secure, tight fit. And, if there is any instance in which there is a risk to the hoop, remove it. Here is why this can be important to you.

What Can a Basketball Hoop Do?

Imagine having a group of friends over. You are playing a game. Someone jumps up, grabs the hoop itself, and the entire thing falls to the ground. This type of incident – even if you warned the individual not to do it – can become a liability risk for you. Will your home insurance cover all of the losses? Here are a few examples of what could happen.

Damage to the Individual Falling

Your home insurance includes liability insurance. This provides coverage to a person who suffers an injury at your home. In this situation, even though you warned the individual not to do so, your policy is likely to cover any medical bills they might have. This may help to cover emergency medical care, lost time at work, and even surgeries they need.

Damage to The Hoop

In some situations, the policy can help cover the hoop itself. In this situation, the policy might help you pay to replace the hoop, since repairs may not be possible. If there is damage to your home, it may also have some coverage. Ask your agent how your policy will pay for accidental damage to structures or furnishings attached to the home. However, limits apply here. If you or someone living in your home caused the damage, your policy may not offer protection. You also may need to meet the deductible first, before the cover applies. The value of the hoop might fall under the value of the deductible, meaning you won't have coverage.

Damage to Another Person’s Belongings

Let’s say the hoop fell and smashed the windshield of a car sitting nearby. In this situation, your home’s liability insurance may also help cover the damage to that person’s car. This would fall under your property damage component of your liability insurance plan. Your policy won't apply to damage to one of your own cars, however. Every situation is unique. When you have an event like this, stop, get medical care, and then call your home insurance agent. He or she needs to document what happened and then will determine how your policy can help you recoup the damages you have from the incident. To find the be policy for your needs you can contact us at anytime or call us at one of our many offices.