Scenario: You have some friends and your partners new coworkers over for a get-together at your house. One of your partners coworkers drinks a little too much and stumbles, knocking one of your guests to the floor. When she falls, her brand-new glasses are broken and she needs a few stitches on the side of her face. After everyone leaves, your partner asks who is financially responsible for your friends glasses and injury. What would you say about your homeowner insurance policy and coverages?

You must include:

• One original post containing:
• An explanation of your homeowners personal liability, medical payments to others, additional coverages, and exclusions in your HO-3 policy
• A discussion of optional endorsements to your HO-3 policy