In many cases, home insurance policies cover personal injuries. Check with your Miao Insurance Services agent in Pleasanton, CA to make sure the policy you choose has liability and medical coverage. Also, there are some exclusions, so be sure to read the policy carefully.

Is an Invited Guest Is Hurt, Are You Covered?

Invited guests are covered up to the liability limits of your home insurance policy. Typically, pain and suffering, medical bills and other damages are eligible. Most homeowners policies also cover legal costs if your guests or their insurance company takes you to court. Defense costs are included under your liability limit.

Medical payments coverage pays for medical bills whether you are legally responsible or not. However, the limit is much lower. For some claims, your guest has to prove your negligence caused the accident. For example, if your friend falls after you mopped your floor, you may be liable for their medical costs.

What Else Is or Is Not Covered?

Many policies include injuries due to your dog biting a friend or stranger. However, any intentional act is excluded. So, if you get into an altercation and intentionally injure someone, your homeowners policy won’t cover defense costs. Your guests are not compensated if they engage in reckless activity. Your medical payments coverage may pay their medical costs as a sign of good will but your liability insurance won’t.

Does Your Homeowners Liability Insurance Cover Family Members?

Immediate family members that live with you are not covered by your homeowners liability policy. However, your homeowners policy covers you and family members in the home. Your agent can answer more specific questions after reviewing the policy you choose.

Give Us A Call

Contact us today at  Miao Insurance Services to make an appointment to talk about the insurance you need for your home in Pleasanton, CA. Stop by the office or give us a call to get more information.