If your friend is a homeowner, they probably have homeowners insurance as protection in case someone is injured on the property. If your friend rents the property, they may have renters insurance, or some type of “umbrella coverage,” for the same protection. “Umbrella coverage” is an extension of an individual’s home or auto insurance. In addition, if your friend is a renter, the land owner probably has insurance coverage for claims arising from injuries on the property.
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