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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.
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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 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.
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.
Will homeowners cover tire theft?
Homeowners insurance does not cover automobile nor there parts.
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 foreclosure?
No. Homeowners Insurance does not cover the owners default on a mortgage note.
Does Allstate cover lightning strikes in there homeowners policy?
All homeowners policies cover damage caused by lightning.
Does homeowners insurance cover demolition?
Yes. That is covered on a homeowners policy.
Does homeowners insurance cover hospital from a car accident?
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.
Will Homeowners insurance reimburse for mortgage during renovation?
NO, your homeowners policy will cover 'additional living expenses' but will not cover your mortgage.
What does homeowners insurance cover?
The basic structure of a homeowners policy looks like this:
