LegallyIncorrect t1_iug1g3a wrote on October 31, 2022 at 1:15 AM

Reply to comment by 93195 in I recently bought a house and my fiancée lives with me, how do we handle home insurance? by twy314

This isn’t entirely true. My homeowners covers slips and falls and other things like that so there is some coverage beyond personal effects. And sometimes you need a rider because there may be caps on certain types of coverage.

93195 t1_iug3rtc wrote on October 31, 2022 at 1:33 AM

It covers your liability for slips and falls when someone gets hurt and sues you. The coverage is protecting the homeowner from the person that slipped and fell, not the person who slipped and fell.

LegallyIncorrect t1_iug3wwn wrote on October 31, 2022 at 1:34 AM

As a lawyer I appreciate your explanation. You don’t have to be sued to trigger coverage. And as it pays for medical bills for injuries at the residence, it’s still beneficial for the person injured. In that sense, it protects anyone who may be present in the home.

93195 t1_iug45vt wrote on October 31, 2022 at 1:36 AM

I’d compare it to car insurance. Sure. It covers the property of the person whose car you damaged. To prevent you and your insurance company from getting sued. It still doesn’t make it the other party’s coverage.

LegallyIncorrect t1_iug49jt wrote on October 31, 2022 at 1:36 AM

It also doesn’t make it limited to the property of the policy holder. The original comment is incorrect as it implied coverage for only personal effects.

93195 t1_iug4hhe wrote on October 31, 2022 at 1:38 AM

Let me rephrase. It covers the homeowner. Property, liability, etc. Damage to others’ person and property is covered because the homeowner is liable for it.