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True Homeowners insurance policies include defense and payments for your negligent acts. Usually, there is not a deductible on those payments. A visitor who is injured by your negligence could sue or demand payments and your insurance company would defend you and/or pay the claimant. Talk to the agent or company that sold you the policy.

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13y ago
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Q: Is injured visitor covered by home owners insurance and due i have to pay the deductible for minoran injurey?
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