The easiest way is just to ask them. Bear in mind though that most homeowners insurance policies now exclude coverage for damage and injuries from pets. Fortunately though our mandated ACA compliant health care policy will cover the associated cost and it has no limit and it does not matter how or where the injury occurred.
Some homeowners purchase property coverage but do not purchase liability coverage, So there may or may not be coverage for your injury under the homeowners insurance policy. You will have to start a lawsuit and when you do (providing you were bitten by their animal or injured some other way) the lawyer or judge will find out the insurance information during something called disclosure and discovery. In the discovery process your attorney will learn if they have a homeowners insurance policy, if that policy has liability coverage and if the policy provides liability coverage for owned pets.
If they do have and the policy has liability coverage and pet injuries are covered under the policy then you may receive a judgement.
It would be much easier to just ask them first rather than have to sue first. Also bear in mind that an ACA compliant health insurance policy already covers such injuries.
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, Homeowners insurance is not a replacement for medical insurance.
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 injured party cannot be a household member. It does not matter if they are not listed on the policy.
This will depend on the policy you have, and who the pet belongs to. In general, if it is your own pet that is injured, no. If the pet belongs to someone else, and is injured due to negligence of the insured person, it may.
No,your homeowners will only pay for someone outside of any household residents.
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
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.
Of course NOT. Homeowners Insurance does not cover auto accidents. That's what Auto Insurance is for.
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.