 TITLE: What Does Homeowners Liability Insurance Cover? CONTENT: What Is Not Covered by Home Insurance Liability?\n------------------------------------------------\nInjuries or damages not covered by home insurance liability commonly include:\n*   **Injuries to your family members**: This is covered by your health insurance.\n*   **Intentional injury or property damage**: If a salesperson falls down your steps, it's covered by liability insurance. If you push them down the steps, it's not covered.\n*   **Dog bites**: The way insurance providers handle dog bites varies. Some won't insure you if you own a breed the insurer considers \"dangerous\" or if your dog has been declared vicious according to your local ordinances. Restraining the dog with a cage or a chain or showing proof of obedience training may qualify you for coverage.\n*   **Car accidents**: These should be covered by auto insurance. Some policies have other out-of-home exclusions, such as boating accidents.\n*   **Business-related injuries**: If you run a business out of your home and someone visiting you for business purposes is injured on your property, that would be covered by business insurance.\nThere may be other exclusions, so review your policy carefully to clarify what is and isn't covered. END