Does your homeowners insurance cover you if you are injured on someone else's property?

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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.
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Does homeowners insurance cover lost wages if someone who does not live there falls on your property?

The liability section of the homeowner's policy provides Med Pay coverage for non-insured's (coverage F) and Liability coverage (coverage E) for injury to non-insured's. Liability coverage can include their lost wages. There are a lot of exclusions that could apply and your insurer would have to det (MORE)

Does homeowner insurance cover theft of property from your truck?

Personal property is covered for the listed perils in yourpolicy, see Coverage C - Personal Property, for the list of coveredlosses. Personal property is covered even if it is located in avehicle at the time of loss. Some limitations and exclusions couldbe applicable if the loss is caused by theft.

How do you find the homeowners insurance carrier for someone whose animal injured you?

The easiest way is just to ask them. Bear in mind though that mosthomeowners insurance policies now exclude coverage for damage andinjuries from pets. Fortunately though our mandated ACA complianthealth care policy will cover the associated cost and it has nolimit and it does not matter how or where (MORE)

If you have a permit and you drive someone else's car and crash it does their insurance cover you in Massachusetts?

As long as you were driving the vehicle with the owner's permission, and the owner's policy doesn't have any conditions or exclusions regarding an actual licensed driver (which is rare), then "yes," the owner's policy should cover you. Generally speaking, the insurance follows the car. Since the own (MORE)

Is property damage from pets covered by homeowners insurance?

Property damage from pets If the damage is to your own property, no, this would be normal expected wear and tear incidental to pet ownership. If the damage is to someone else's property, maybe, depending on whether you have liability coverage and that you do not have an animal exclusion on your (MORE)

If your child age 17 injures another child age 16 by hitting them on your property will your homeowners insurance cover medical damages?

Answer . It depends on what the policy says. Recognize that even if it does, you'll probably loose the insurance afterward or the rates go up. If you loose the insurance, other insurance companies may not be willing to cover you once they find out that you have that kind of person living in your (MORE)

Can the medical bills of someone injured on your property be covered by homeowners insurance?

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 (MORE)

If a child is hurt riding a friend's mini bike on someone else's property who is responsible for paying the medical bills - our medical insurance of their homeowners?

Answer . there are many variables here.. speaking for 'most' states...homeowners policys have two different areas (that are common, additional coverages can of course be purchased) that medical bills can be paid coverage is 'medical payments' this pays medical bills, rx, bandages etc. (MORE)

Does homeowners insurance cover vandalized vehicles on your property?

Answer . Properties in South Florida are insured for Vandalism . A1 Property Damage Claims Agency handles your Vandalism claim from start to finish with no up front cost to you. We are paid a fee only when the case is won. Call us today at 305-249-7866 E-mail

Does homeowners insurance cover at home business property?

Most homeowner's policies have a limit for claims for business property on the premises of about $2500. Depending on the home business this amount is probably insufficient to cover the replacement cost of the business equipment and supplies you use to operate your business at home. You should also b (MORE)

What personal property is covered in homeowners insurance policy?

ALL Personal property owned or borroewd by insured is covered INHOME AND anywhere in the world while on vacation. BUT, If you at asecond home like a cabin you own in Tahoe the coverage will bedecreased to 10% of amount covered in Coverage C. Any relativeliving with you stuff is covered also. Roomate (MORE)

Does myfull coverage insurance cover me using someone else's vehicle with no insurance?

I believe full coverage covers everything related to the car it is assigned to and nothing more. There may be specific insurances for business and such which covers multiple drivers and multiple cars but as for a personal insurance, it would only cover your specific car included in the contract.. (MORE)

Who's fault is it if you get injured on someone else's property?

This is a matter for a court of law to determine (or insurance companies to hassle out). If there was negligence on the part of the property owner then, depending on the circumstances, he could be either be completely liable or partially liable. If there was any contributing factors on the part of i (MORE)

Should homeowners insurance cover damage to a neighbor's property?

Your home insurance property coverage portion of your policy would not provide coverage for property of another. However, If you are found liable for damage to your neighbors property your liability coverage would invoke. Most homeowners Insurance policies come as a package with some level of Lia (MORE)

Will a homeowners insurance policy cover for an accident to an insured off property?

There is no coverage at all for an accident to an insured either off property or on property. A Homeowners policy provides coverage for structures, personal property, additional living expenses due to loss, liability coverage and medical payments. There is coverage away from premises for insured per (MORE)

Does homeowners insurance cover a car stolen off your property?

No, Never. An auto theft would have to be covered by the vehicle owners comprehensive auto insurance policy. A homeowners Insurance policy is not liable for the theft of a vehicle. that's what Auto Insurance is for. If an Auto Owner chooses not to purchase a Comprehensive auto Insurance Policy th (MORE)

Why am I being held responsible for damage to someone elses property if it is being covered by their homeowners insurance?

When you damage someones property you are liable for the costs of that damage. . If you fail to pay for the damage you caused and the homeowners insurance company pays the bill, Then you now owe the Insurance company what you failed to pay to the homeowner. . Its no different from an Auto Insuranc (MORE)

Does homeowners insurance cover contract laborers injured on ones property?

Employee injuries and Homeowners Insurance . NO, Your homeowners insurance policy does not extend coverage to your employees nor to the employees of a contractor performing services at your home. . The injured employee needs to look to the employers provided Workers compensation program or to thei (MORE)

A friend's dog accidentally injured my dog in my home Does homeowners insurance cover anything?

Your personal property coverage specifically excludes "animals, birds or fish". You could attempt to make a liability claim against your friend, and their liability coverage might apply, but that could have serious consequences for your friend's rates and future insurability. You'd have to consul (MORE)

Does homeowners insurance cover any costs towards injury of the homeowner on their own property?

Homeowners insurance is "Property Coverage". Most home insurance policies only have 500 dollars medical coverage for the named insured which covers minor house hold injuries in and around the house. Some home insurance policies have no medical coverage at all since it's "property insurance". Your (MORE)

What type of insurance would cover expenses for someone injured on your property?

Public Liability Insurance is the ideal insurance that will cover someone injured on your property. This type of policy covers the insured's liability to members of the public. Such liabilities may arise as a result of the insured's business operation. The business being operated by the insure (MORE)

Will homeowners insurance cover a damaged wind turbine on your property?

There are two types of coverage, and insurance policy and a maintenance contract. Rarely do these offer the same coverages. An insurance policy is meant to cover you when an accident happens. You would need a maintenance policy, it's similar to a television set, when breakdown occurs then coverage m (MORE)

Does homeowners cover someone elses property?

Most policies would be written to restore the policy holder from damage that occurs on the insured property to items that are kept on the property. If you were responsible for the other person's property (you were borrowing it) and you could document the loss, you could argue that you should be made (MORE)

Can you get homeowners insurance on someone elses property?

You must have an insurable interest to effect valid coverage. Property must be insured in the name of the owner. So if you wantto buy someone else a policy for their property you can certainlypay the bill for some else's property insurance but you can notinsure it in your own name. If you insured (MORE)

Does homeowners insurance cover a wildlife camera on the property?

Certainly it is covered. However, I can guarantee that thereplacement cost of the camera is less that your deductible. Youreally need to find this out before you file a claim. You only needto use your homeowner's insurance policy for large events such as afire or such because if you file small claim (MORE)

Does Homeowners insurance cover grandkids who vandelized neighbors property?

It just depends on whether you are liable for the acts of yourgrandchild or not. It might be that the childs parents are legallyliable for their acts in your jurisdiction. Not knowing your localregulations, theres not enough information in your question toanswer properly. In general though, If you (MORE)

Does homeowners insurance cover outside you property?

I'm not exactly sure what you are asking but I will take a shot. If you mean personal property not located on your property then yes, you have coverage of your personal property while you are traveling away from home. Up to 10% of coverage C (personal property) is covered while off premises. I hope (MORE)