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In legal proceedings, "at fault" can be a complicated concept. In some states, any driver who rear ends another is automatically found to be at fault, even if the judge can clearly see that the driver in front is responsible, while most disputes simply come down to which side argues a better case. In home insurance fault can be even more complex and depending on any number of factors, what looks like a random accident may actually be determined to be the fault of a specific individual or party.
On-Site Injury
The most likely circumstance in which you’re going to need to be concerned about who is and is not at fault will be when somebody suffers an injury on your property. More often than not, the homeowner is held responsible. This is why general liability is a foundation of good insurance coverage for a homeowner.
New-Home Defects
A builder’s warranty does not cover "acts of God," or misuse, repairs or neglect on the part of the homeowner. But, if you can show that damages were caused by defects built into the home when you bought it, then you may be able to collect on the builder’s warranty. This will come out of the builder’s end, not your own policy, and will typically cover only the cost of repairs, however, and injuries, damages, and housing during the repairs may come out of your own pocket unless you’re willing to contact an attorney. You also need to make sure that the warranty has not expired.
If you get a good policy through Strack Insurance Services, then preparation, inspection, responsible ownership and proper maintenance will generally keep you covered in most incidents where you could be found at fault.