Should a guest suffer an injury on your property, even during a casual game of baseball, you could be required to cover any medical expenses associated with their injury.
Confirm that your homeowners policy includes medical expenses coverage, designed to address injuries and treatment, especially for less severe cases. In the event someone is injured on your property and requires medical attention, you can submit the related medical expenses to your insurance carrier. Typically, these medical expenses are covered without necessitating a liability claim against you.
Note: Actual policies must be consulted for specific terms and conditions.