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Can a guest that was in your home when a criminal assault took place sue your homeowners insurance?
Wiki User
∙ 13y ago
yes
Wiki User
∙ 13y ago
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Does homeowners insurance cover theft by one guest from another guest?
No. The property of your guest is not and can not be scheduled on your homeowners policy simply because it does not belong to you. You also can not be held liable for the criminal acts of another.
Does homeowners cover injuried guest?
It would depend on whether or not you are liable for the injury. Homeowners insurance is not a viable replacement for medical insurance.
If a guest were to fall and get injured in my home will my homeowner's insurance cover my guest?
You should check your homeowners insurance policy declarations. But with that said, your policy should have guest medical protection which could range from $500-$25,000 for your guest's medical expenses.
Does homeowners insurance cover guest items stolen from your home?
No, Your home insurance policy is specific to the named insured(s) property and contents if covered.
Does homeowners insurance cover an injury caused by a guest?
It depends on your specific policy. In order to find out if your policy covers an injury caused by a guest, please contact the company that your policy is with.
Can your homeowners insurance be cancelled because a tenant allowed a guest dog over who bit him?
That is a liability issue and generally policies are not cancelled for liability. You of course required your tenants to get renters insurance so their own personal liability insurance would pay.
Does homeowners cover a fall of a guest?
No, The medical coverage portion of your policy (usually $500) is for minor injuries that can occur around the home and is specific to the named insureds. Your home insurance policy is not a replacement for major medical insurance. If your guest feels you are responsible for their injuries through your negligence then they could sue you for coverage under the liability portion of your home insurance policy.
Will Homeowners Insurance pay for an attorney if arrested in your home?
Generally, homeowner's insurance has an element of liability coverage as part of it, but not necessarily so (for example, if the policy is one that covers only the structure of the building--often called a "dwelling policy"). When it does have liability coverage, part of the insurer's responsibility is to provide you with a defense (an attorney) if you are sued for damages arising from a type of risk covered by the policy. An example might be if a guest tripped on a child's toy that was in the guest's path, and the guest was injured. The fact that you used the tern "arrested" suggests that a crime of some type was involved. Criminal acts are normally expressly excluded from the scope of coverage.
If someone other than a resident of your home falls on a step is your homeowners insurance responsible?
They could sue you for negligence and loss would be covered under your liability section of your homeowners policy. Also, they could recover doctors bills or medical for the incident under your guest medical coverage.
How can one get a guest house insurance?
Guest house insurance is quite an unpopular insurance however, it is not difficult to obtain. There are a huge number of insurance companies that offer insurance, including guest house insurance, such as 'Direct Line' and 'Premier Line'.
Will homeowners insurance cover damage to a guest's car if the car was damaged during a windstorm by a basketball goalpost uprooted from the home owner's property?
Homeowner's insurance will not cover a guest's car, or even your own car. It is also very important you talk to your agent about all other motorized vehicles, including boats and ATVs, because you may not be covered for those either.
If a fight happens during a party on your property can the guest who's teeth got knocked out sue your homeowners insurance even though they have assault charges placed on them?
Yes. It doesn't mean that they will collect, but they can sue.In the UK - the owner of a property owes a duty to visitors to the property should an accident occur on the premises. However, a criminal act is very different as this is a deliberate wilful act and not an accident. Thus unless there is some reason that the home owner in someway contributed to causing the fight any claim lies between the two parties who were fighting. If the person whose teeth were knocked out did not consent to the fight and was merely defending himself then a claim for compensation could be made against the criminal injuries compensation authority. See the related link entitled "criminal injury" to see the process of claiming criminal injuries compensation.
