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Generally, homeowner's insurance has an element of liability coverage as part of it, but not necessarily so (for example, if the policy is one that covers only the structure of the building--often called a "dwelling policy"). When it does have liability coverage, part of the insurer's responsibility is to provide you with a defense (an attorney) if you are sued for damages arising from a type of risk covered by the policy. An example might be if a guest tripped on a child's toy that was in the guest's path, and the guest was injured.

The fact that you used the tern "arrested" suggests that a crime of some type was involved. Criminal acts are normally expressly excluded from the scope of coverage.

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Q: Will Homeowners Insurance pay for an attorney if arrested in your home?
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