If your friend is owns a home, they probably have some type of homeowners insurance in order to protect themselves in case someone gets injured on the property.
If your friend is a renter, 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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