Homeowner's Insurance

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


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Wiki User
2015-07-15 21:15:59
2015-07-15 21:15:59

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 determine that you were responsible (negligent) for the injury caused in order for coverage E to apply. You would not have to be responsible for coverage F to apply but an exclusion could still be applicable.//


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No, Homeowners insurance is not a replacement for medical insurance.

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If you scheduled your personal property on your Homeowners Insurance Policy then it will cover. If you failed to schedule your personal property then it will not be covered.

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No. A homeowners insurance policy is specific to the property of the named insured.

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Of course NOT. Homeowners Insurance does not cover auto accidents. That's what Auto Insurance is for.

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