So, I go over to your house for dinner. In the process of hugging/playing w/ your kids, I break my wrist. Then I expect YOUR homeowner's insurance to pay for it.
Whole thing sounds hokey to me. I would let my own insurance cover it. And I would pay the deductible myself. This is not YOUR fault. No negligence. No intent. No fault. How is this the homeowner's fault? I think that is the insurance company's position, and why they want a "guilty" verdict in a lawsuit before they pay.