Is homeowner insurance when some one helps the owner make repairs and gets injured?

Depends, homeowners insurance does have a liability section in it, and you are liable for the person helping you gets hurt, then yes, but if you are not liable then your insurance will not respond, here in ONtario there is a section in the liability called Voluntary medical payment where you can provide monies to the injured person wheather you are liable or not. This is usually limited to an amount such as $500-$2000 and this coverage does not require you to pay a deductible but will affect your insurance premium wise.