Does homeowners insurance cover injuries for guests?

Answer 1

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.

Answer 2

If the renter bought their own renters policy, his insurance would cover the claim. Because you are renting out the home you should not have a standard home owners policy. Call and check with the Claims department of your insurance co and ask the question.

Answer 3

Homeowners insurance is "Property Coverage". Most home insurance policies only have 500 dollars medical coverage for the named insured which covers minor house hold injuries in and around the house. Some home insurance policies have no medical coverage at all since it's "property insurance".

Your home insurance policy does not and can not replace your major medical or health insurance policy. Medical insurance and property insurance are two very different kinds of insurance.

Answer 4

Coverages within a homeowners policy for personal injuries do exist. Whether a specific policy would extend this type of coverage depends on the policy itself as this type of coverage is often optional. Review of the policy or declerations page looking for "medical payments" or "injury to the insured" would most likely reveal the answer. It would be much easier to contact the agent or the companies service dept. to have someone review your policy specifically.

Answer 5

Normally, a physical injury is covered by an individuals major medical policy.

If your guest sues you for an injury, your home liability insurance will provide legal defense cost to defend you in court. If in a final judgment you are determined to be financially liable for the injury then your homeowners insurance policy would respond and pay damages up to the specified limits of your policy.

Answer 6

No, not unless you caused the injury through your actions or through negligence. Otherwise it's just like th rest of us, we get hurt we see the doctor and our mandated ACA compliant health insurance covers it.

Answer 7

if that person is related to you - no they are not covered - they are actually an insured - and insureds can't file injury claims - it is specifically excluded

Answer 8

The question is who suffered the injury? It will not cover injuries to any household members or household employees.

Answer 9

Yes.