by 
The Curious Bag
-
Homeowners insurance covers your house for damage from fire, water, burglary, frozen pipes, leaky roofs and other events. It also covers you if you are sued for negligence or if someone gets injured on your property.
Coverage
If someone injures himself at your home, you can be held responsible for his medical bills. Your homeowners insurance has a coverage called medical payments to assist you in this situation.
Insured Guests
Many times your guest, who was injured, has her own health insurance and will simply use that insurance to cover her injuries.
Subrogation
When your guest gets treated for his injuries using his health insurance, that insurance company may ask whether the homeowners insurance is covering the medical bills. They may ask for the name of the insurance company and contact it to determine its shared responsibility.
Uninsured
Your uninsured guests will be covered by your insurance, but you should notify the insurance company immediately. It will inform you how to proceed.
Secondary Insurance
To avoid the possibility of a policy owner profiting from a loss, insurance companies will designate which company is the primary insurer and which is the secondary insurer. The primary company will cover the bills up to its limits, including the deductible, and the secondary insurance will pick up the rest up to its limits.
Source:
Massachusetts homeowners insurance guide
RELATED QUESTIONS
Copyright 2023, Wired Ivy, LLC