09/03/2026
A neighbor stops by to borrow sugar, slips on the porch step, and needs a trip to urgent care.
Is there coverage for that? Often, yes β homeowners policies commonly include medical expense coverage, which can help pay medical costs for a guest accidentally injured on your property, regardless of fault.
That's a different provision than personal liability, and it's worth understanding the distinction. If you're not sure what your policy actually includes here, we're happy to walk through it.
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