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LegallyIncorrect t1_iug3wwn wrote

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

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.

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93195 t1_iug45vt wrote

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.

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LegallyIncorrect t1_iug49jt wrote

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.

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93195 t1_iug4hhe wrote

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.

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