Are You Covered if Someone is Injured on Your Property?
Learn the ins and outs of this sticky situation.
Q. I was having a party and my friend fell down the stairs at my house. Does my insurance cover his injury?
A. If your injured friend is a member of your household, the answer is no—your homeowners insurance does not cover medical payments for people living in your home. But if the injured person is a friend, relative living elsewhere, or even an uninvited guest, coverage for bodily injury applies.