Q: Are settlements and jury awards increasing against homeowners in 2025?
A: Yes—and every homeowner should be aware of it.
Over the past few years, we’ve seen a notable rise in the number and size of liability claims filed against homeowners. From dog bites and slip-and-falls to social media lawsuits and property damage, the legal landscape is changing, and homeowners are increasingly finding themselves in the crosshairs.
Let’s break down what’s happening and what you can do to protect yourself.
Why Are Jury Awards Getting Bigger?
More Lawsuits:
It’s become easier and more common for individuals to pursue legal action. Attorneys are more aggressive, and many operate on a contingency fee basis—meaning no upfront cost to sue.
Social Inflation:
This industry term refers to the growing trend of larger jury awards and settlements, driven by changing public attitudes and expectations. People today are more likely to award higher damages, especially for pain and suffering.
Medical Costs Are Rising:
When someone is injured on your property, medical costs and ongoing care can add up fast—and you could be held liable.
More Complex Liability Risks:
Hosting a party, hiring a contractor, even what your kids post online can lead to claims. Liability isn’t just physical anymore—it’s digital too.
What Can Homeowners Do to Protect Themselves?
1. Maintain Sufficient Liability Coverage
Standard home insurance policies typically include $100,000 to $300,000 in liability coverage—but that may no longer be enough. A severe injury claim or lawsuit could easily exceed that.
2. Add a Personal Umbrella Policy
An umbrella policy provides extra liability coverage—typically starting at $1 million—and kicks in when your homeowners policy maxes out. It’s surprisingly affordable for the protection it provides.
3. Understand Your Exposures
We help our clients review risk areas they may overlook, like rental properties, pool safety, trampolines, pets, and teen drivers.
4. Keep Records and Stay Proactive
Keeping walkways clear, maintaining your property, and documenting safety efforts can reduce your risk and help defend you if a claim arises.
The Bottom Line
Settlements and jury awards are increasing—and so is your potential financial exposure as a homeowner. The good news? You don’t have to face that risk alone.
We help you review your liability coverage, explore umbrella protection, and create a smart insurance plan that keeps you protected in today’s legal environment.
Let’s talk about how to shield your assets and your future. Contact us today for a free coverage review.