A homeowner’s insurance policy offers important protections for both property owners and individuals who may suffer a personal injury on the subject property. But the precise scope of coverage depends on the language of the policy. For example, many homeowner’s policies exclude coverage for injuries suffered by tenants who rent the home from its owner.
State Farm Fire & Casualty Company v. Moss
The Georgia Court of Appeals recently considered the nature of a tenant exclusion in a homeowner’s policy that is the subject of a personal injury lawsuit. The homeowner in this case owned two properties, her primary residence and a lake home. She purchased a homeowner’s policy to cover both properties, listing the lake home as her “secondary residence.”