Most homeowner insurance policies protect the homeowner against claims of bodily injury from third parties in the policy-holder’s home. The policies generally exclude injury to the policy-holder himself or his family.
What if your adult daughter is living with you in your home and she is paying a modest rent and she is hurt in the home? Brown J. of the Superior Court of Ontario in Traders General Insurance v. Gibson (2019), 145 O.R.(3rd) 51 say: Yes! the daughter is covered.
Keep in mind that your particular policy might specifically exclude tenants. Remember, insurers make their money by avoiding risks. Many policies are barebones (you think you get a break because of a low premium). In reality you have to make sure your policy doesn’t exclude all the important risks.
