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They could sue you for negligence and loss would be covered under your liability section of your homeowners policy. Also, they could recover doctors bills or medical for the incident under your guest medical coverage.

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Q: If someone other than a resident of your home falls on a step is your homeowners insurance responsible?
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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.


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