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Tractor Talk Discussion Forum

Re: Expensive match.....only costs about a million....

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Author  [Modern View]

07-08-2014 02:52:29

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If either of the kids' parents are homeowners, the farm's insurance carrier can and will go after the parents' homeowner insurance.

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John T

07-08-2014 06:19:30

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 Re: Expensive match.....only costs about a million.... in reply to MarkB_MI, 07-08-2014 02:52:29  
"the farm's insurance carrier can and will go after the parents' homeowner insurance"

Of course, I haven't read your or any other persons home insurance contract, but does the insurance you have which protects YOUR HOME against fire and tornado etc., also cover a house down the street if your kids torch it??

Its been a while since I read my homeowners insurance contract, but I'm pretty sure it doesn't say they will replace A DIFFERENT HOME if my kids burn it down?? It only protects MY HOME... (and may not even that if a family member intentionally torches it???)

Just asking as I'm always curious to learn something new... There's all sorts of different policies and different insurance products out there, maybe a homeowners policy covers a DIFFERENT HOME if your kids burn it, but it could be harder to get underwritten and more expensive JUST ASKING is all.

John T

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07-08-2014 06:53:00

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 Re: Expensive match.....only costs about a million.... in reply to John T, 07-08-2014 06:19:30  
Hey John,

As you know, all homeowners policies include personal liability coverage, say $300K. Correct me if I'm wrong, but I thought parents can be held liable for the actions of their minor children.

I did a bit of googling, and came up with the paper at the link below. According to its author, the case law is mixed when it comes to arson by children of policy holders. It seems to matter what the intention was of the arsonists. For example, if they started a fire not intending it to destroy a building, then the damage might be covered. On the other hand, if they set out to burn down the structure, that would be a non-covered "intentional" act.

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John T

07-08-2014 08:31:10

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 Re: Expensive match.....only costs about a million.... in reply to MarkB_MI, 07-08-2014 06:53:00  
Yes, in certain cases a parent can be held liable for their children's torts. Indeed the particular states laws plus WHAT THE CONTRACT ACTUALLY SAYS determines if indeed the parents homeowners covers their kid torching another house/barn. From experience with insurance companies, I just don't envision them rushing in there eager (drag them in kicking and screaming lol) to pay for what that those kids did...... BUT THE POLICY RULES no ones opinion as to what's fair or "should be" covered. As far as personal liability coverage in a typical homeowners policy, I view that more about you're liable if someone is injured on your property (or even if you drive and injure someone) and you're found negligent VERSUS you're liable if your kids go elsewhere and torch a barn. BUT AGAIN ITS NOT WHAT I OR YOU THINK ITS WHAT THE POLICY AND STATE LAW SAYS. I nor anyone cant say NOT having read the homeowners policy, but a homeowners policy that pays for damages if your child torches someone else barn Id have to read and research it prior to rendering a more professional legal opinion... As you well noted INTENTIONAL might be most relevant !!!

As always, fun chatting

John T Country Lawyer

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