An often-overlooked coverage that insurers automatically include in your homeowner policy is "premises medical payments". While policyholders generally don't ask us a lot of questions about medical payments coverage, it is no less important than any of your other coverages. Medical payments coverage provides payment for medical expenses, up to the policy limit should a guest get hurt on your premises, even through their own negligence.
The medical payments limit is usually $1,000, but higher limits can be purchased for a nominal amount. If your negligence contributed to your guest's injury and compensation is sought beyond the medical payments limit, the homeowner liability coverage would provide you with coverage including defense costs. Defense would be provided even if allegations of your negligence were considered groundless.