Question

Emma is babysitting Laura’s children. Emma turns on the stove to make dinner, but a flame shoots out and burns Emma’s hand. Later, Laura realizes she forgot to tell Emma not to turn on the stove.
Which type of insurance is needed?

Answer 1

Answer:

Homeowners insurance, assuming Laura owns the house.

Explanation:

Homeowners insurance most often is what covers personal injury and liability claims if someone is injured in your house.

Just as a side note, if Laura is renting the home the landlord would need the homeowners insurance, not Laura.