Many individuals who suffer injuries on private property are hesitant to file lawsuits because the area where their injury occurred is owned by a friend. Many property owners, however, own homeowner's insurance. Homeowners insurance typically covers personal liability, ensuring that the homeowner will not have to pay out of pocket for any injuries that occur on their property. As a result, individuals who have been injured on private property can rest easy knowing that their lawsuit will not cause their friend financial harm.