Home owner insurance liability for falls?

Home owner insurance liability for falls?

My daughter was playing at a friend's house and fell out of a tree and broke her arm. Unfortunately we do not have medical insurance and the ER and follow up bills are over $5000. Do yo think that the home owner's home insurance would cover that bill? We will not sue them for the money because we don't feel that it is their fault. Just wondering if that is something that is covered with most home owners policies.

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*1: General interest