there is no way to answer this, it depends on many many things...what are the circumstances? how was the person injured? what are their injuries? etc etc etc...were you negligent in anyway or not? there are two different coverages that could apply medical payment, and general liab. the only certain in this question/answer is they will not pay more than the policy limit of liablity/med pay that you purchased on your policy...sorry just not enough info........
any person who is injured on your property which is a fault of the property such as wall falling on them or they trip on a garden path. this would be covered under the property owners liability and usually allows upto £2million
No, Homeowners insurance provides no coverage for hired workers.
Contractors and handymen are expected to carry their own Medical Insurance or Workman's Compensation to cover the normal and expected hazards of their chosen occupation.
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.
No, Homeowners insurance is not a replacement for medical insurance.
No. A homeowners insurance policy is specific to the property of the named insured.
Of course NOT. Homeowners Insurance does not cover auto accidents. That's what Auto Insurance is for.
Yes you May all you have to do is get intouch with your insurance agent or Company.
It's called "personal liability" coverage, and virtually all homeowners policies have it.
If it was done accidentally, then it may. Usually intentional acts are not covered.
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.
Yes. If it is a home and it is owned by someone, then it is covered by homeowners' insurance, regardless of who that someone is.
No. The exception would be, if for instance the snowmobile was stolen off the person's property.
No, When you rent your home out to someone your Homeowners Insurance Policy is automatically null and void whether or not you have notified your insurer. If you have become a landlord you need to purchase landlords insurance for your property. This is done by obtaining a Dwelling Policy with a rental dwelling endorsement. Just contact your insurance agent and he can help you place the right coverage for your tenant occupied property.
Most insurance companies that sell homeowners and renter's insurance also sell landlord insurance. Some companies where someone could purchase landlord insurance include Allstate, MetLife, and Progressive.
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.
No.