Homeowners insurance covers repair costs for damage to your home. It also can cover replacement costs for loss of your home. Certain cases may be excluded, like flooding, some natural disasters and political disturbances. In addition, damages or loss due to lack of maintenance are not covered.

If your possessions are damaged or lost (including theft) they are covered by your homeowner’s insurance. It also includes coverage of your possessions when they are not on your property. However, injury and medical costs for you or your family resulting from damage or loss of your possessions is not covered by your homeowners insurance.

Homeowner’s insurance does cover medical costs for anyone except the household residents in the event there is a problem at your home or property. For example, if someone falls on your sidewalk or a child gets hurt while playing in your backyard, the medical costs for their injuries would be covered. This coverage extends injuries to others caused by you (or your household members on or off your property). For example, your dog may bite someone. The medical costs for that person’s injuries would be covered. If your own dog bites you, your homeowners insurance would not pay for your medical costs. The insurance also often covers any lawsuits brought to you as a result of someone’s injuries or damage to their property.

Unfortunately, if you or your family members become injured in an incident caused by you on or off your property, your medical costs are not covered by your homeowner’s insurance.