What does your homeowners insurance medical pay cover?
Scenario: Your friend comes over for dinner. As she was coming into the house, she trips and falls and also knocks you to the ground. Your friend was carrying a glass casserole dish, and gashed her hand. You landed squarely on your kneecap, and you felt immediate pain.
As an overview, your homeowners medical pay insurance applies to expenses related to injuries of others not living in the household, regardless of fault.
In the case above ...
... it can assist in paying for medical expenses incurred by your friend.
Medical payment is usually limited in coverage amount, from $1000 - $5000. If your friend requests assistance with their medical bills, typically your policy can cover expenses like an ER visit, minor procedures, medication, etc.
If your friend requires additional treatment to repair the effects of the gash, like extensive surgery and rehabilitation, that typically exceeds the limits of your homeowners insurance medical payment monetary coverage.
If your friend seeks compensation for injuries beyond minor medical costs, your homeowners liability policy can kick in and assist with higher levels of expenses.
Your homeowners medical pay policy typically doesn't pay for:
- your injuries or those of any other resident of your home
- renters' injuries
- any injuries related to a home business
Accidents can happen any time so it's important that you:
1) review your homeowners insurance policy periodically to know your coverage; and
2) consult with your local independent agent for questions and detailed information.