Members welcoming fellow members

I always assumed I was covered by liability for anybody coming on my property. Since I needed to call my insurance agent today on a different topic I asked if I was covered for liability if I invited an acquaintance to camp on my property over night. He was surprised by the question. He said of course I was covered by both my homeowners policy and the umbrella policy I have over all my insurance. Said that is the kind of thing the liability was for, even if someone came on the property uninvited I was covered.

Jim...