If you do manage to poison your guests with tainted food, a standard homeowners’ policy – the medical payments portion — typically pays for the cost of a trip to an emergency room. Medical expenses pay for the services for those injured in your home, up to your limits, which is typically $5,000. Liability kicks in if medical expenses incurred go beyond that, and if the guest sues. And, you should be giving thanks that the liability portion of your home insurance policy kicks in to help cover expenses from lawsuits filed against you.
Is food poisoning covered by home insurance?