Are ski accidents covered by homeowner's insurance?

In general, ski accidents are not covered by homeowner’s insurance policies in the state of Washington. Most homeowner’s insurance policies will not cover any damages resulting from a skiing accident, in any event. If a person is injured in a skiing accident, the damages they suffered may be covered by the skier’s own personal liability insurance policy. Washington state law requires all ski resorts to carry ski liability insurance policies to cover the cost of any liability claims that may arise from a ski accident. While the individual skier may not be personally responsible for any claims, the ski resort may be held liable for any losses that may occur. As such, it is important for all skiers to understand the importance of purchasing a personal liability insurance policy prior to hitting the slopes. In the event that an individual skier is sued as the result of a ski accident in the state of Washington, their homeowner’s insurance policy will not cover the cost of the lawsuit, or any damages awarded to the injured party. The injured party will need to seek reimbursement from the skier’s own liability policy. It is therefore important for all skiers to understand the importance of purchasing ski liability insurance in order to protect themselves and their property in the event of a ski accident.

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Are ski accidents covered by homeowner's insurance?

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