INSURANCEDrug Overdose from Prescription Medication Excluded from Homeowner Insurance

Coverage

Nick Melendez & Johanna Redick

SUMMARY

• The homeowners insurance policy excluded liability from injury or death that is caused by controlled substances

KEY WORDS

• Homeowner- a person who owns their own home• Overdose- an excessive and dangerous dose of a drug• Guests- a person who is invited to visit the home of or

take part in a function organized by another• Controlled substance- a drug or chemical whose

manufacture, possession, or use is regulated by a government. Controlled substances are substances that are the subject of legislative control.

DECISION

• Affirmed. McMasters use was not proper, the insurance policy clearly eliminates liability for controlled substances.