IS AN INJURY CAUSED BY A CRACKED SIDEWALK A HOMEOWNERS LIABILITY?

From a Homeowners insurance perspective, you may be liable for injuries that occur on the sidewalk in front of your home—even if the city technically owns it. Most Homeowners insurance policies include personal liability coverage, which can help cover medical bills or legal costs if someone is hurt due to unsafe conditions like cracks, uneven pavement, or ice. However, if you’re found negligent for failing to maintain the sidewalk, you could be responsible for damages, particularly if your policy limits are insufficient for the level of risk exposure that often comes with a high-value property.

For homeowners, the potential for large liability claims can be more significant, especially if your home is in a high-traffic area or frequently visited by service providers, contractors, or guests. It’s important to regularly inspect the sidewalk, address hazards promptly, and document any maintenance or repairs. Beyond that, we strongly recommend reviewing your liability limits and considering a Personal Umbrella policy, which can provide additional protection well beyond standard coverage. Proactive risk management is key.