Yes, until the 31st of December 2022, refugees from Ukraine (who are staying in your home) are covered under your liability insurance plan like family members living in your house would be.

Liability insurance will only cover the damages non-plan members do to others’ belongings or injury to other people. This means that if someone damages one of your belongings or accidentally injures another person on the plan, it won’t be covered.

Damage to objects

Example one: You’ve decided to take in a family of refugees. One of the children accidentally knocks over a designer lamp in the living room. This wouldn’t be covered.

Example two: One of the children who is staying with you accidentally spills juice on your friend’s laptop who is visiting. It’s covered under your insurance.

Injury to others

Example one: One of the people staying with you is helping you prepare dinner, but you only have one cutting board. They accidentally cut you while cutting potatoes, and you have to get stitches at the hospital. This wouldn’t be covered.

Example two: One of the people staying with you is riding a bike outside and accidentally runs into another person who breaks their hand. This is covered under your liability insurance.

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