Which coverage in Homeowners policies pays medical expenses to others?

• A. Coverage E
• B. Coverage F
• C. Coverage D
• D. Coverage C

Answer: (B)

Medical payments to others is the portion of a homeowners policy that covers medical expenses for people other than the insured who are injured on the insured property or as a result of the insured’s activities, and it pays those expenses without regard to fault, up to the policy limit. This coverage is meant to provide quick, no-fault aid to guests or others and isn’t about the insured’s own injuries or about liability for damages. Liability coverage handles what the insured may owe if legally liable for injuries, while the other coverages deal with dwelling, other structures, personal property, or loss of use.