Does Homeowners Insurance Cover Negligence? 
Homeowners insurance may pay your legal defense and subsequent judgment under the liability portion of the policy . Examples of coverage being provided are a -RRB- a dependent child hitting a baseball thru a neighbor 's window , b -RRB- an owned pet hurting a non-household resident or c -RRB- someone slipping on a wet floor in your home . Homeowners liability coverage can also protect you away from home , as in the case of an errant tee shot on the golf course striking and injuring someone . Definitive answers to this question are determined by the insurance company at the time ofprompt filing of a possible claim . 