Legal Question in Personal Injury in Nevada

It depends on what happened. Normally, when the owner of the house leases it the tenant is responsible as he or she should get renter's insurance. The only time the owner is responsible is if the negligence is the owner's fault. It's similar to the driver and owner of a car. Normally, the driver is responsible even though the owner's insurance takes care of it. However, the owner of a house's insurance does not cover a tenant. Usually it only covers fire and limited liability. Of course to prevail against either the tenant or the owner you would have to have a negligence case against on one or both of them. If it's an unavoidable accident then you out of luck unless there's some medical payments insurance available.