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Public Liability Home Owners Cover

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bto123 View Drop Down
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Joined: 28/July/2017
Location: Australia
Posts: 3
  Quote bto123 Quote  Post ReplyReply Direct Link To This Post Topic: Public Liability Home Owners Cover
    Posted: 28/July/2017 at 18:40
Anyone know the definition of what home and contents public liability covers? wondering if it covers damage to a neighbours property that was caused by something done by the insured? Does it have to be personal injury or is property damage and loss of wages covered if we make a claim again their public liability cover? thanks.

citizen-joe View Drop Down
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Joined: 09/October/2005
Location: Australia
Posts: 319
  Quote citizen-joe Quote  Post ReplyReply Direct Link To This Post Posted: 29/July/2017 at 23:00
Public liability covers matters that any member of the public may sue you for. eg a branch from a tree in your yard falls on a person, they sue you. The public liability insurance fights the case for you and if they lose they pay the penalty.

bto123 View Drop Down
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Joined: 28/July/2017
Location: Australia
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  Quote bto123 Quote  Post ReplyReply Direct Link To This Post Posted: 31/July/2017 at 11:04
thanks

Edited by bto123 - 31/July/2017 at 11:08

bto123 View Drop Down
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Joined: 28/July/2017
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  Quote bto123 Quote  Post ReplyReply Direct Link To This Post Posted: 31/July/2017 at 11:08
so if the fire started in the neighbours house and spread to ours, we can make a claim on the public liability cover they have through their building and contents cover for our losses?

smurfergirl View Drop Down
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Joined: 18/August/2010
Location: Australia
Posts: 520
  Quote smurfergirl Quote  Post ReplyReply Direct Link To This Post Posted: 23/August/2017 at 12:24
You would need to prove that the fire started through their negligence. The fire may have spread because of poor building regulations, weather conditions or just sheer bad luck.

The normal procedure is to make a claim through your own insurance company and let them pursue any recovery action against your neighbour.   That's what you pay your insurance premiums for.

Edited by smurfergirl - 23/August/2017 at 12:24

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