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Answered 2011-10-13 10:28:35

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.

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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.


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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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