Does your insurance cover you the owner if im hurt on own property?

Homeowners insurance generally provides liability coverage that applies to injuries and damage caused by you, members of your household, or your pets while on your property. Liability coverage usually covers medical expenses, property damage, and legal costs associated with covered liability claims.

So, if you are hurt on your own property due to an accident or incident that is not caused by a maintenance, repair, building code, or construction code issue the insurance should provide liability protection.

However, it's essential to note that homeowners insurance policies may vary, and limits or exclusions may apply to certain types of injuries or damages. The specific coverage provided, including any limitations or exclusions, will depend on the terms of your individual insurance policy.

If you have any questions or concerns about how your insurance coverage applies to liability for injuries on your property, it's best to contact your insurance company or agent to get clarifications and understand the specific details and limits of your coverage.