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Can the medical bills of someone injured on your property be covered by homeowners insurance?
Wiki User
∙ 12y ago
They could be in some cases depending on how and why they were injured and what the relationship and residence status is to he named insured.
Your homeowners medical coverage is specific to the named insured(s). Generally this is the home owner and resident family members.
If someone else was injured on your property due to the insureds direct actions or through the insureds negligence for which you could be held liable then such an injury would be covered under the liability portion of your homeowners insurance policy.
Bear in mind though that a homeowner is not automatically liable for an injury on the property simply because you own it. The injury would first have to be demonstrated as the fault of the insured, otherwise the homeowner is not liable.
Wiki User
∙ 12y ago
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Can an injured party include a homeowners insurance company in a claim to recover damages for personal property destroyed in a fire in the state of Idaho?
Homeowners Insurance is specific to the property of the named insured(s). It does not matter what state your in. If you are a third party not named on the Home insurance policy, then you nor any of your property would be covered and you would not have a valid claim.
When watching a friends dog it is injured will insurance cover medical expenses?
Domestic animals are not covered under the homeowners policy. As it pertains to a liability situation, a dog would be considered 'property' and the homeowners "damage to property of others" provision in the liability section of the policy applies but only if you were the one who injured the dog, usually with a limit such as $500.
How do you get the most money from insurance company after a home invasion?
Home Invasion and Homeowners InsuranceThat all depends. What did they steal? Is it covered under your homeowners Policy? If the stolen property is listed as covered under your homeowners Insurance then you should file a claim for the stolen property. If the door or window was kicked in or damaged then you can file a claim for cost of repairs.There is no coverage specific to a home invasion on your homeowners policy so there is no pay out for "home invasion" in and of itself.If you were injured firing the home invasion you will need to look to your medical insurance to cover the costs of related health care.
If you have a fight in a bar would your lawyer fees be covered under your homeowners ins?
It really just depends on what kind of insurance policy you bought. Some will offer certain limited property coverage while away from home. But typically, Homeowners insurance coverage is limited to your home and property and does not cover criminal activities of the insured anywhere. If you were injured in a Bar fight, you would look to your Health insurance policy for coverage
Does your homeowners insurance cover you if you are injured on someone else's property?
No You would need to seek coverage under your medical insurance policy for accidental injuries. Homeowners insurance is for property and liabilities that may arise out of home ownership. Home insurance does not replace medical insurance. If you think the property owner is liable through cause of injury, you might seek coverage under their liability if they carry the coverage.
What kinds of things does my homeowners liability insurance cover?
When you own a home you are libl for nything that happens on your property. Homeowners liability insurance covers you in the event someone i injured on your property. Homeowner's liability insurance covers the homeowner in the event that someone gets injured while on their property. It covers medical bills and other expenses for guests if something happens to them while at your home.
Does my homeowners insurance cover another person if they are hurt on someone else's property?
there is no way to answer this, it depends on many many things...what are the circumstances? how was the person injured? what are their injuries? etc etc etc...were you negligent in anyway or not? there are two different coverages that could apply medical payment, and general liab. the only certain in this question/answer is they will not pay more than the policy limit of liablity/med pay that you purchased on your policy...sorry just not enough info........
Is it mandatory to have homeowners insurance after you pay off your house?
No. Unlike auto insurance, homeowners insurance is optional and is not mandatory if your house is paid for. Just keep in mind though, if your home is lost due to fire, tornado, etc., you will not collect any kind of recovery for the loss. Also, without a homeowners insurance policy with liability coverage, you won't be covered for liability damages should someone fall or be injured in some way while at your home.
If a son or daughter living with a homeowner is injured on the property is the injury covered by the homeowner's insurance?
No, your medical payments do not apply to resident relatives, only to guests.
What does loss assessment mean on a homeowners policy?
Loss assessment on a homeowner's insurance policy is protection against getting sued for a person being injured on the property. This is a common insurance that condominium owners need to protect themselves from lawsuits for someone being injured in the common areas of the condominium complex..
Do you need home owners insurnace after you pay off your mortgage?
You don't HAVE to cover your property with homeowners insurance once your home has not mortgage but you could lose everything if you had a fire or if someone was injured on your property. Some HOA's require some type of insurance on every property regardless of mortgage. Its not a wise decision to drop coverage.
Is injured visitor covered by home owners insurance and due i have to pay the deductible for minoran injurey?
True Homeowners insurance policies include defense and payments for your negligent acts. Usually, there is not a deductible on those payments. A visitor who is injured by your negligence could sue or demand payments and your insurance company would defend you and/or pay the claimant. Talk to the agent or company that sold you the policy.
