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.//
Homeowners policies come in different varieties. One of the broadest forms is the HO-3 which provides both physical damage coverage for the structure insured, and liability coverage for third parties who are injured on the property due to the negligence of the insured. Wage loss can be a portion of a claim made by an injured person against the property owner, so to that extent, wage loss may be covered or compensated under the policy. That is, a part of the aggregate damages that the third-party sustains may be lost wages.
However, wage loss to the insured him/herself is not covered.
No, Your Homeowners Insurance does not provide coverage for hired workers.
If they were working at your home they should have medical coverage through their employer or if self employed they should have a contractors insurance policy to cover any injuries they incur while practicing their profession.
Always check the licensing and Insurance status of any contractor or tradesman your hire to perform work at you home.
It would depend on the specific clauses of the policy, and in many cases it would not be covered.
Homeowners Insurance does not provide coverage for motor vehicles.
Yes, homeowners insurance typically covers bodily injury to the remaining owner from a homicide committed within the residence. This coverage would fall under the personal liability portion of the policy. It's important to review your specific policy to understand the terms and limits of coverage.
No, your homeowners insurance would not provide coverage for your pet.
NO. Homeowners insurance policies do not provide coverage for automobiles. That's what auto insurance is for.
No, Homeowners Insurance does not provide the coverage of a life insurance policy.
Most homeowners policies will provide coverage
There is not enough information to answer your question. Did this injury occur in the home or away from the home? Who was injured and how did it occur? Was an insured household resident injured at the insured home? A homeowners insurance policy often provides a small amount of medical coverage if the insured elected it at the time of purchase for minor household injuries but does not replace a medical insurance policy. Was a guest injured on the premises of the insured home? Homeowners insurance policies often provide Liability coverage if the insured elected the coverage at the time of purchase that might provide coverage if the insured home owner was at fault for the injury. You would need to check your home insurance policy or contact your agent to determine if you purchased medical coverage or liability coverage depending on what occurred and if so, what limits are available.
No. Automobile-related occurrences are not covered under homeowners insurance. In fact, they are expressly excluded.
No, Your homeowners insurance does not provide coverage for hired workers.
No, Homeowners Insurance does not provide coverage for motor vehicles.
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
No. Homeowners Insurance typically do not provide liability coverage for criminal acts. Your medical insurance is a good source of coverage for health care needs.