Homeowners Insurance can cover a variety of bodily injury that someone who does not own the home or is not a family member suffers. The homeowner would have personal liability coverage that would kick in once someone begins the claims process. Then, the home insurer would make a payment to the injured person.
The Homeowners Policy Acts as a Personal Liability Insurance
The most common type of injury that would require filing a claim against a homeowner’s policy is when you have fallen on the homeowner’s property and have been hurt in an accident.