Can I go after boyfriends homeowners insurance to pay medical bills?

Homeowner's insurance generally has a "med-pay" endorsement with about a $5000 limit, peanuts. You have to look at the policy. If you think there was something wrong with the stairs that caused your fall, you should be talking to a personal injury lawyer in your area. It's not nice to sue your boyfriend, but sometimes there is no alternative.

For medical bills, yes, up to the limit of the medical payments provision. For 'pain and suffering', no, unless you can prove that your boyfriend was negligent in some way in maintenance of the basement stairs. Personal injury attorneys nearly always give a free initial consultation. The insurance industry’s own statistics indicate that once an attorney becomes involved, the value of any claim at least doubles. Put those two facts together and it is in your best interest to retain experienced legal counsel at your earliest possible convenience. I truly wish you the best. If you find my answer helpful, please click the ‘thumbs-up’ tab below. Thank you. This answer is offered for informational purposes only. It is not offered as, and does not constitute, legal advice. Laws vary widely from state to state. You should rely only on the advice given to you during a personal consultation by a local attorney who is thoroughly familiar with state laws and the area of practice in which your concern lies.

You should determine if your boyfriend's homeowner's insurance has Medical Payments coverage. If it does, that part of his coverage will pay on your medical bills up to the limit of the coverage amount. If you can prove that your boyfriend breached a duty owed to you by not properly maintaining the stairs etc. and your boyfriend's negligence caused you to fall, you may have a separate negligence claim against him. You should speak with a personal injury attorney in your area to find out about the possibilities. Legal Disclaimer: Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to insure proper advice is received.