What happens if I injured myself at my friend's house?
If your friend is a homeowner, he or she probably has homeowners insurance as protection in case someone is injured on his or her property. If your friend rents the property, he or she may have renters insurance, or some type of umbrella coverage, for the same reason. Umbrella coverage is an extension of a person’s home or auto insurance, for coverage of liability that reaches excess or catastrophic levels. Also if your friend rents, the land owner probably has insurance coverage for claims arising from the property.