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93195 t1_iug45vt wrote

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

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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