No.
Homeowners insurance does not have liability coverage for your job occupation. You can obtain contractors insurance for liability coverage.
Property and Liability
It's called "personal liability" coverage, and virtually all homeowners policies have it.
Home Insurance is Insurance coverage for your house, condo or apartment for your personal property and liability coverage for you. The insurance coverage for your house is also called homeowners insurance. The Homeowners isurance is an insurance package that has coverage for the dwelling, the others structures on your property, Loss of Use, Medical Payments and Personal Liability.
It depends on why your being sued. If your homeowners insurance covers the act that caused the suit, then you should have legal defense costs coverage if you purchased liability insurance with your homeowners insurance policy. If you did not purchase liability coverage then your insurance company will not defend you.
Can a homeowner get a third party liability insurance covering ONLY visitors who might have an accident while on the premises (not the house itself and its furnishings and belongings) Thank you Elie
No. Homeowners Insurance typically do not provide liability coverage for criminal acts. Your medical insurance is a good source of coverage for health care needs.
Liability coverage (often simply called "liability") protects you from damage you do to others or to property in an accident. Some level of auto liability insurance coverage is required in all 50 states - get info for your state's auto liability insurance coverage requirements here.
Homeowners insurance typically does not cover intentional acts like murder. However, it may provide coverage for damages resulting from a crime scene cleanup or property damage related to the incident. It's important to check the specific policy details or consult your insurance provider for more information.
Homeowners coverage should satisfy requirements.
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.
Your home insurance property coverage portion of your policy would not provide coverage for property of another. However, If you are found liable for damage to your neighbors property your liability coverage would invoke. Most homeowners Insurance policies come as a package with some level of Liability Insurance unless you purchased stand alone property only coverage.