Homeowners Insurance: Coverage F or Medical Payments to Others Coverage (2024)

FAQs

Homeowners Insurance: Coverage F or Medical Payments to Others Coverage? ›

Medical Payments to Others Coverage

Medical payments to others coverage applies to the costs associated with injuries that happen to guests at your home, regardless of who is at fault. For example, if a guest sprains his ankle on your stairs and has a hospital bill to pay.

Medical payments coverage has lower limits than liability coverage. Medical payments to others coverage limits typically fall within the $1,000 to $5,000 range, while your liability coverage limit is typically set between $100,000 and $500,000 — if not higher.

With personal liability coverage, the policyholder must have been deemed liable to have caused or aided in the event of the injury. But, with medical payments coverage, it doesn't matter who's at fault. Your home insurance policy could still help to pay for the damages.

Coverage F: Medical Payments

This Part provides rapid reimbursem*nt for minor injuries, such as a guest who trips and falls while visiting your home.

Medical payments coverage doesn't include: Lost wages. Medical treatment not related to the accident.

Medical payments coverage can help with medical expenses associated with an auto accident — for you, your passengers and any family members driving the insured vehicle at the time of the accident — no matter who is at fault. It typically covers doctor visits, hospital stays, surgery, X-rays and other medical bills.

Medical payments is a general liability coverage that reimburses others, without regard to the insured's liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.

Intentional acts: HOA insurance does not cover damage caused by intentional acts, such as a resident intentionally damaging a common area. Wear and tear: HOA insurance does not cover normal wear and tear to common areas.

This type of insurance helps cover medical expenses if one of your guests is accidentally injured on or around your property. Your policy can help you pay for things like: X-rays. Surgical procedures.

What is medical payments liability insurance? ›

Medical payments coverage, also known as MedPay, is an additional coverage option for auto insurance policies in most states. In the event of a car accident, this coverage can help pay for medical expenses for you or your passengers, even if you're at fault.

Bodily injury liability protection applies to the medical expenses of the other party if you are found at fault in the accident. In some circ*mstances, it may even cover lost wages and/or legal fees if the injured party files a lawsuit.

Coverage F, or “Medical Payments to Others” coverage is the component of your homeowners insurance policy which will help pay towards injuries sustained by someone who is not the insured, or a regular resident of the property.

Standard homeowners insurance does NOT cover damage caused by flooding, earthquakes, termites, mold, or normal wear and tear.

Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered. Damage caused by smog or smoke from industrial or agricultural operations is also not covered. If something is poorly made or has a hidden defect, this is generally excluded and won't be covered.

Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it's important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance.

Basically, Medical Payments coverage provides coverage for necessary and reasonable medical and funeral expenses incurred as the result of an automobile accident up to the limit stated in the policy for you or passengers in your vehicle.

Premises Medical Payments is typically used for minor spectator injury claims. Most policy forms exclude Premises Medical Payment coverage for athletic activities which are defined as practicing, instructing, or participating in any physical exercises or games, sports, or athletic contests.

Final answer: The 'Medical Payments' under Section II of a Homeowners Policy covers injuries to visitors and trespassers but doesn't cover injuries sustained by the insured's family members (covered by health insurance) or the insured's pets (covered by pet insurance).