Can an umbrella policy cover unintentional surrounded by jury to a house appendage over the age21?

Answers:
Not if they are a household member, and ONLY if the injury is unplanned, AND the fault of the insured, AND they sue the insured and win within court.

So. Injuries to household members are NOT covered. Deliberate injuries (like punching them) are not covered. And "oops I slipped on the steps because I be stinkin' drunk" are not usually covered. And injuries where you DON'T sue the house member, are not covered.

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