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93195 t1_iufc6v6 wrote

Your policy covers the stuff in the house, up to your policy’s limits for personal effects.

It provides no coverage for her personally, if you mean life, liability, health, or something like that. Her parent’s homeowners insurance doesn’t either.

Homeowners covers the house and the stuff in it, up to policy limits. It doesn’t all have to be your stuff.

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LegallyIncorrect t1_iug1g3a wrote

This isn’t entirely true. My homeowners covers slips and falls and other things like that so there is some coverage beyond personal effects. And sometimes you need a rider because there may be caps on certain types of coverage.

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93195 t1_iug3rtc wrote

It covers your liability for slips and falls when someone gets hurt and sues you. The coverage is protecting the homeowner from the person that slipped and fell, not the person who slipped and fell.

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LegallyIncorrect t1_iug3wwn wrote

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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