Homeowner insurance typically does not cover physical altercations or fights that occur on the insured property. Most homeowner insurance policies exclude coverage for intentional acts of harm or violence, including fights. However, if a fight results in bodily injury to a third party, the liability coverage included in a standard homeowner insurance policy may provide financial protection for the policyholder. It's important to review the specific terms and conditions of the homeowner insurance policy to understand the extent of coverage for physical altercations. Additionally, some insurance companies may offer optional endorsements or riders that provide coverage for certain types of incidents related to physical altercations, so it's advisable to consult with an insurance agent or representative to explore available coverage options. In summary, homeowner insurance typically does not cover fights, but liability coverage may offer protection in the event of bodily injury to a third party.