A visitor’s health insurance may cover the costs of medical expenses after an injury in your rental home, or they may not. If a guest injured in your home is uninsured, or if that person’s health insurance co-pays and deductibles are very high, you may be required to cover their out-of-pocket costs.
If the injured guest subsequently has unpaid days off work as a result of the injury, you may be responsible for restitution for lost wages.
Finally, if the injuries are severe and the injured party can prove willful negligence on your part, you may be responsible for punitive damages as well. In each of these cases, your rental liability insurance can cover some or all of these costs.