No, You are not automatically liable for an injury that occurs on your property simply because you own the property.
It does not matter if you owned an object or not on which they person was injured.
In order to be held liable you would have to have caused the injury either through direct action or in-action that led to the injury.
They could be in some cases depending on how and why they were injured and what the relationship and residence status is to he named insured. Your homeowners medical coverage is specific to the named insured(s). Generally this is the home owner and resident family members. If someone else was injured on your property due to the insureds direct actions or through the insureds negligence for which you could be held liable then such an injury would be covered under the liability portion of your homeowners insurance policy. Bear in mind though that a homeowner is not automatically liable for an injury on the property simply because you own it. The injury would first have to be demonstrated as the fault of the insured, otherwise the homeowner is not liable.
No, your medical payments do not apply to resident relatives, only to guests.
No, homeowners covers the dwelling. Some policies offer Liability and Medical payments coverage, but only if a guest is injured on the insured property.
No. Your homeowners will only cover personal injury if it occurs on the property listed on the policy.
If it relates to a personal injury claim where the individual was injured on the policy holder's property then usually homeowner's insurance will provide compensation up to the specific amount stated in the policy.
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, your Homeowners Insurance will not. Your Medical Insurance Will.
You should refer to your homeowners policy, liability section. Many policies may have an exclusion for 'tenants' who are injured on the residence premises. Normally, non-trespassers are covered for injury that may occur on your property. Med pay coverage provides medical expense for injured parties. For a serious injury the liability section will consider your negligence (responsibility) for the injury and may or may not provide coverage for the injured person.
NO, THAT WOULD COME UNDER YOUR OWN HEALTH AND MEDICAL POLICY. IF A GUEST WAS INJURED ON YOUR PROPERTY, THE LIABILITY OR MEDICAL PART OF YOUR HOMEOWNERS POLICY WOULD LIKELY COVER THE INJURY, PRESUMING THAT YOU AS PROPERTY OWNER WERE LIABLE. AGENT JIM
Not if the injury occurred away from the home No. And also not if any crime was involved.
No, That's what your boyfriends major medical insurance policy is for. Your homeowners insurance nor you are liable for injury due to criminal acts.
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.