If you or members of your household are hurt on your property, your medical expenses will typically be covered by your health insurance policy. They will not be covered by homeowners insurance.

Homeowners insurance provides basic liability coverage that protects you, and family members who are part of your household, if someone finds you legally responsible for injuries or damages, either on or off your property. You can be held legally liable for such events even though you didn’t intend for them to happen. Liability coverage generally includes the following:

• Legal defense costs
• Payments for first aid to others at the scene of an accident
• Payments for damage to someone else’s property caused by you or your family (e.g., your child hits a baseball through your neighbor’s window).
• Payments for loss assessments resulting from your membership in a property association.

Note that bodily injury and property damage generally are not covered while you are operating a motor vehicle, airplane or boat. You need separate policies for these activities.