We are often asked about what coverage is specifically provided by the liability portion of a homeowners insurance policy. We want to spend this post explaining what the coverage is and how it helps protect you. (Please keep in mind that every policy is different and that you should always refer to your specific policy to find out what coverage is provided.)
In the even that a visitor is injured within your home or on your property, your homeowners insurance policy will typically pay for the reasonable medical bills to the injured part. Even if the person has health benefits, you could sill be held responsible if the injury is deemed as being caused by your negligence.