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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.
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.
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.
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.
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.
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.
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
The question is who suffered the injury? It will not cover injuries to any household members or household employees.
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Does homeowners insurance cover injuries incured on a tractor?
No. That's what your major medical insurance policy is for.
Will homeowners insurance cover injuries from an auto accident on private property?
No. Homeowners Insurance does not cover Auto accidents. Auto Insurance covers automobiles. It does not matter if the auto accident was on public or private property.
Does homeowners insurance usually or always cover accidents in the home involving guests?
Yes, it can. Depending on your coverage and policy with your insurance it can cover medical for others.
Does home owners insurance cover assault in the home?
It would depend on who was assaulted, medical coverage that comes with the homeowners policy may cover a visitor to the home.
Does homeowners insurance cover foreclosure?
No. Homeowners Insurance does not cover the owners default on a mortgage note.
Does home insurance cover other peoples property in your home?
Yes, in most homeowners insurance cases, the property of a visitor is covered. Also, it can cover any injuries that a visitor suffers.
Does homeowners ins cover accidents or injuries on a private road in a subdivision?
No, You would need to look for your auto insurance for road accidents
Does homeowners insurance cover your child damaging the neighbors vehicle?
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
Does homeowners insurance cover sprinkler system?
Your homeowners insurance should cover damage to your sprinkler system if the cause of the damage is covered by your homeowners insurance policy such as fire, lightning, freezing of pipes, etc. Homeowners insurance is not a maintenance policy and will not cover mechanical failure of your system.
Does homeowners insurance cover your mortgage if you are laid off?
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
Does homeowners insurance cover hospital from a car accident?
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.
Will homeowners cover tire theft?
Homeowners insurance does not cover automobile nor there parts.
