Accidents happen. Sometimes this means you could be responsible for someone else getting hurt, or for their things getting damaged.

If this happens, you may legally have to pay that person compensation and cover their legal costs. This can be expensive, which is why it’s a good idea to protect yourself with liability insurance. When you get Allianz home insurance, we’ll cover you for several different situations if something like this happens and it’s your fault.

What types of liability are covered with Allianz buildings insurance?

If you own your home

We’ll cover you if you’re responsible for someone else’s things getting damaged or them getting hurt by accident, as long as you own the home where it happened.

We’ll pay for:

  • compensation a court tells you that you have to pay
  • legal costs and expenses for the other person (or people) involved if a court tells you that you have to pay them
  • your legal costs and expenses when a claim is made against you

 

If you had work done on your home

If you had some work done on your home and someone gets injured or their things get damaged because it wasn’t done right, we’ll cover you for up to seven years after the work was carried out. This is known as latent damage. Say for example you move out, then a staircase that you fitted collapses and the person who now owns your home gets injured; we’ll cover you as long as we insured this building when the work was done and it was less than seven years ago.


What types of liability are covered with Allianz contents insurance?

If you’re to blame for accidental injury or damage (personal liability)

We’ll cover you if you’re to blame for accidental injury or damage anywhere in the world. This means you’re insured as an individual but not for anything that happens while you’re at work. So, if you accidentally hit someone with your back swing when you’re playing golf for fun, you’re covered. But if someone else was paying you to teach them to play, you’re not.

If something happens in your home

We’ll also cover you if you caused injury or damage and you’re considered responsible because you live in the home where it happened. We call this occupier’s liability insurance.

We’ll pay for:

  • compensation a court tells you that you have to pay
  • legal costs and expenses for the other person (or people) involved if a court tells you that you have to pay them
  • your legal costs and expenses when a claim is made against you

If you’re in temporary accommodation

After you’ve made a claim, we might arrange somewhere for you to stay while we get your home back to normal for you. If we do, we’ll extend your occupier’s liability insurance to cover your temporary accommodation.

If you employ someone to work on your home (employer’s liability)

Say you decide to pay someone like a cleaner or gardener to help you take care of your home. If they get injured while they’re cleaning, gardening or doing whatever you’ve paid them to do, we’ll cover the amount a court tells you that you have to pay.

If you rent your home (tenant’s liability)

If you rent your home, your landlord might have made you responsible for damage to their property in your contract with them. We’ll cover the cost if the damage is caused by:

  • fire, lightning, explosions, earthquakes and smoke
  • storms or floods
  • water leaking from pipes, water tanks, washing machines, dishwashers and radiators
  • oil leaks
  • theft or attempted theft
  • aerials, solar panels, wind turbines or masts breaking or falling down
  • aircraft and anything that gets dropped from them
  • accidental breakage of kitchen sinks, bathroom suites and glass in doors, windows and ovens, including double glazing
  • accidental damage to underground pipes or underground electricity and telephone cables, which connect your home to the public supply

If you’re owed legal costs or compensation (unpaid court judgements)

If it’s you who’s been hurt or your things that have been damaged, a court might order the person who caused it to pay you compensation and cover your legal costs. If this happens and they still haven’t paid you after three months, we’d hate for you to be out of pocket, so we’ll pay you this money instead. Then we’ll get the money back from the person who should have paid you.


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