Questions & answers · Home insurance
Someone was hurt at my house, or my dog bit someone. Does my home policy pay?
Home insuranceOtherTexasChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: TDI View original ↗
In short
- A home policy can pay when you are legally responsible for hurting someone.
- It can also pay medical bills of people hurt on your property.
- The amount of liability coverage is limited.
What this means
TDI says personal liability coverage "pays medical bills, lost wages, and other costs for people that you're legally responsible for injuring". It also pays if you are responsible for damaging someone else's property, and it pays your court costs if you are sued because of an accident [1].
Medical payments coverage "pays the medical bills of people hurt on your property". TDI says it also pays for some injuries away from your home, for instance if your dog bites someone at the park [1].
TDI warns that the liability amount is limited. If you want more, you can buy a separate umbrella liability policy [1].
Your next step
Look at your declarations page for your liability and medical payments limits. If someone is hurt, tell your company as soon as you can. TDI says most companies have deadlines for claims; the page gives no number for this coverage [1].
Check it yourself
Open the TDI guide below and read "Types of home insurance coverages".
Where this comes from (1)
[1] TDI · checked 2026-11-06
Personal liability coverage pays medical bills, lost wages, and other costs for people that you're legally responsible for injuring. It also pays if you're responsible for damaging someone else's property. It also pays your court costs if you're sued because of an accident. Medical payments coverage pays the medical bills of people hurt on your property. It also pays for some injuries that happen away from your home …
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
What we don’t know yet
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Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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