Does home insurance cover injury to the homeowner?

I know insurance offers to pay for injuries to other people, but what about the policyholder?

Great question! Homeowners policies do have liability coverage and medical coverage, but these are for people who do not live inside the home. If a friend comes over, trips on your floorboard, and gets injured, they would be covered. If you trip on your floorboard and get injured, your homeowners policy would not cover you. You would need to rely on your health insurance instead.
Shannon Martin
Answered on Mar 02, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free