Does home insurance cover injury to the homeowner?

Answered by Home Insurance, Car Insurance Expert Shannon on December 25, 2020

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

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Shannon

Home Insurance, Car Insurance Expert

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.


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