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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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โˆ™ 2011-10-13 10:28:35
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Q: Can the medical bills of someone injured on your property be covered by homeowners insurance?
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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.


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.


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.


Does homeowners insurance cover contract laborers injured on ones property?

Employee injuries and Homeowners InsuranceNO, 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 their own medical insurance policy for coverage.


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 homeowners insurance cover pets for injury?

No, homeowners covers the dwelling. Some policies offer Liability and Medical payments coverage, but only if a guest is injured on the insured property.


Does homeowners insurance cover the owner if injured by intruder?

No. Homeowners insurance covers many many things but it is not health insurance. It does not pay for injuries to the homeowners for any reason whatsoever.


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.


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.


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.


Whats the most homeowners insurance pays a person injured in their home?

Nothing. If you are a household resident you cannot make a claim for injuries incurred in your own home. Residents are covered as insured persons under the homeowners policy and therefore cannot be negligent to themselves.

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