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Does homeowners insurance cover personal injury. In terms of a personal injury accident we would look primarily at the liability protection coverage on the homeowners insurance policy. The personal liability aspect is just whether or not you can be held responsible for the accidental injury of another personon your own property or off-premises depending on your policys coverage. Secure Your House with House Insurance.

If the property owner has legal liability for an accident the insurance company may step in and pay the claim. Medical payments coverage typically comes with a 2000-5000 limit while liability coverage has a much higher limit often 100000-500000. In many cases yes home insurance policies cover personal injury.

There are two aspects to personal injury coverage through homeowners insurance. Yes personal injury is covered under standard homeowners insurance policies in two different categories. A Personal Injury Endorsement covers legal defense costs and losses when someone sues you for libel slander or violating their right to privacy.

A Personal Injury Endorsement on your home insurance does NOT cover bodily injury or harm to you or someone else on your property. The standard homeowners policy includes liability coverage and medical payments coverage though there are some exclusions to what is covered. Compare 90 Quotes at MoneySuperMarket.

However most people get homeowners insurance without understanding what it covers or how it works. Compare Home Insurance Now For a Quick Free Quote. Ad Protect The Things That You Value The Most With Direct Line Tenants Cover.

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