Does homeowners insurance cover contractors and construction workers during home renovations?
Maybe. Depending on the state and circumstances, a contractor injured on your property may be covered by a homeowner’s liability insurance in coordination with state workers compensation insurance coverage. Homeowner’s insurance will not cover other scenarios with contractors such as poor workmanship.
Information provided is for general informational purposes only and is not an insurance policy or a guarantee of coverage. Coverage, availability, and terms vary by policy, insurer, and state, and are subject to the terms and conditions of the applicable insurance policy. Examples are illustrative only. Please review your policy and consult a licensed insurance professional for details.