Medical Payments covers medical expenses for a friend or neighbor who is accidentally injured on the property and does not intend to sue you, but needs help with their medical bills. This coverage can also be applied if a friend or neighbor is injured off premises by your activities or by an animal owned by you or in your care. Medical Payments does not apply to you, your family members, or regular residents of your household except any residence employees.
Medical expenses that are typically covered are medical, surgical, x-ray, dental, ambulance, hospital, professional nursing, prosthetic devices and funeral services. Most policies offer $1,000 per occurrence, but that amount can be changed. Talk to your agent about what your policy offers and take a look at our Homeowners Insurance 101 for more information on a standard home policy.