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

FAQs

What do medical payments to others cover in a homeowners policy? ›

Medical payments coverage helps cover medical bills if someone who doesn't live with you is injured on your property. It also pays if you, a family member or a pet injures someone away from your home. It's also known as MedPay, Coverage F and “good neighbor” coverage.

The coverage limit for the medical payments section of your homeowners policy is usually $1,000 to $5,000. It's a small amount intended for smaller injuries. You might be able to pay extra to raise the limit within your policy.

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.

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.

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.

Many things that aren't covered under your standard policy typically result from neglect and a failure to properly maintain the property. Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered.

Other structures insurance, also known as Coverage B, is the part of your home insurance policy that protects structures on your property other than your house. That includes: Fences. Sheds. Detached garages.

HO-4 insurance is another term for renters insurance. It covers the policyholder's personal belongings but not the physical structure of the rental home. Most HO-4 policies also include personal liability protection and cover additional living expenses if renters are temporarily displaced from their homes.

What perils are not covered by HO-2 or HO-3 policies? There are several perils not named on an HO-2 policy that are also excluded on an HO-3 policy. Perils that are typically not covered by either policy include earthquakes, floods, mudslides, war and owner neglect.

What is premises medical payments coverage? ›

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.

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.

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.

These include doctors' services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more. Some plans cover more services.

Under Section II – Liability coverage, the insurance company agrees to pay the insured for a third-party's necessary medical expenses which arise from bodily injury caused by an occurrence.