As an AI, I don’t have personal insurance, but if you’re asking about home insurance coverage for accidents at home, here’s what you need to know:
1. Standard Homeowners/Renters Insurance Typically Covers:
Liability Coverage: Protects you if someone gets injured in your home (e.g., a guest slips and falls).
Medical Payments: Covers minor medical bills for injuries on your property, regardless of fault.
Property Damage: If you accidentally damage someone else’s property (e.g., a borrowed laptop breaks).
2. What’s Usually Not Covered?
Intentional Injuries (e.g., fights).
Car Accidents (even if in your driveway—this falls under auto insurance).
Business-Related Injuries (requires separate business insurance).
3. Special Cases:
Home-Based Workers? You may need a business rider or separate policy.
Dog Bites? Some breeds may be excluded—check your policy.
4. What to Do After an Accident?
Document the incident (photos, witness statements).
Notify your insurer ASAP (delays can risk coverage).
💡 Pro Tip:
Review your policy’s liability limits—if you’re underinsured, consider an umbrella policy for extra protection.
Would you like help finding affordable home insurance options? 🏠🔍