Does Homeowners Insurance Cover Injuries At Home? 
Homeowners Insurance can cover injuries sustained on the property . There are two sections to the homeowners insurance policy . Section I is the property section and covers Dwelling , other structures , personal property & loss of use coverage . Section II of a homeowners insurance policy covers liability - namely Personal Liability & Medical Payments . The medical payments section is designed to cover injuries that are not the policy owns fault . I usually use an example . . so here it is , `` if you are over my house on Thanksgiving and you are cutting my turkey with my knife and you cut yourself coverage can be afforded under the policy . '' In this case there was no negligence on my part but you did sustain injuries . We assuming there was nothing wrong with the floor to cause you to slip and the knife was functioning correctly . Keep in mind that every policy is different and I suggest you check with your local independent agent for coverage information that is specific to your policy . Hope this helps . 