Does Home Owners Insurance Cover Personal Injury? 
Personal injury is very broad . Home owners insurance provides liability coverage for people that are injured on your property where you are found responsible for their injury -LRB- be aware there are some exclusions -RRB- . As far as your own injury most policy do include medical payments if you are injured during a covered loss . Every policy is different please read over your policy completely to know what coverage it provides or call your local agent to have them go over your policy with you to explain the coverage offered in it . 