Who Is Covered On Home Insurance? 
Homeowners insurance will cover the named insured and any family members who live in the house . It will also cover visitors belongings and any property you have stored in your house for another person . If a non-family member lives with you and is a permanent resident then you may want to include them as an additional insured on your policy . It will also cover anyone who is injured on your property and files a lawsuit on the liability prortion of your policy or a visitor who is injured and needs medical attention under the Medical pay portion of your policy . 