Denver home insurance questions answered
If someone is injured at your house, there are two coverages that potentially come in to play: medical payments and personal liability. Medical payments will pay up to the policy limits (typically $5k) for anyone injured on your property, no questions asked. If treatment for the injury is greater than $5k, then your personal liability coverage comes into play. However, negligence by the policyholder must be proven in order for this coverage to pay out. Be safe this holiday season!