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Does your homeowners insurance cover you if you are injured on someone else's property?
Wiki User
∙ 8y ago
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.
Wiki User
∙ 8y ago
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What kinds of things does my homeowners liability insurance cover?
When you own a home you are libl for nything that happens on your property. Homeowners liability insurance covers you in the event someone i injured on your property. Homeowner's liability insurance covers the homeowner in the event that someone gets injured while on their property. It covers medical bills and other expenses for guests if something happens to them while at your home.
Does homeowner insurance cover someone else property also from theft?
No. A homeowners insurance policy is specific to the property of the named insured.
Does homeowners insurance cover auto damage to non-owners vehicle your property by someone hitting a pole?
Of course NOT. Homeowners Insurance does not cover auto accidents. That's what Auto Insurance is for.
What does loss assessment mean on a homeowners policy?
Loss assessment on a homeowner's insurance policy is protection against getting sued for a person being injured on the property. This is a common insurance that condominium owners need to protect themselves from lawsuits for someone being injured in the common areas of the condominium complex..
Can the medical bills of someone injured on your property be covered by homeowners insurance?
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.
Do you need home owners insurnace after you pay off your mortgage?
You don't HAVE to cover your property with homeowners insurance once your home has not mortgage but you could lose everything if you had a fire or if someone was injured on your property. Some HOA's require some type of insurance on every property regardless of mortgage. Its not a wise decision to drop coverage.
If I am injured on someone's property what can I expect from the home owners insurance?
Expect nothing, get an attorney...
If someone breaks their foot on my property can I file a homeowners insurance claim for their medical bills?
Yes you May all you have to do is get intouch with your insurance agent or Company.
Does homeowners insurance pay for an accident of someone who lives in the house and injures themselves on the property?
It's called "personal liability" coverage, and virtually all homeowners policies have it.
Will homeowners insurance pay if I assault someone off my property?
If it was done accidentally, then it may. Usually intentional acts are not covered.
Can homeowners' insurance cover a home owned by two ladies?
Yes. If it is a home and it is owned by someone, then it is covered by homeowners' insurance, regardless of who that someone is.
Will homeowners insurance cover medical expenses to someone living in the home who is not listed as a homeowner?
No. The injured party cannot be a household member. It does not matter if they are not listed on the policy.
