Medical Payments Coverage for Homeowners, Explained

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Homeowners insurance policies are well-rounded and include coverage for a variety of situations, including medical payments coverage. This coverage is meant to protect those who come into your home in case they get injured.
Medical payments coverage will cover their medical bills so that they can receive the medical care they need without worrying about the finances. 
On many occasions, this coverage can help you prevent a lawsuit, since people are less likely to sue when they're already being cared for. In this way, it's similar to personal liability coverage.However, the medical coverage has some limitations as to how much and what situations it can cover.
Read on to learn from Jerry everything you need to know about medical payments coverage for homeowners.
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What is medical payments coverage for homeowners insurance?

Medical payments coverage is an optional part of your policy that pays for the medical bills of anyone who's injured on your property.
This type of coverage is mostly limited to minor injuries. The purpose of medical payments coverage is to help people who injure themselves on your property while also discouraging them from actually suing you.

How much does medical payments coverage for homeowners cover?

Standard policies usually have a coverage of $1,000 to $5,000 for medical bills. The specific amount can vary between companies and states. 
If someone happens to have an accident in your home and their medical bills surpass your policy's limits, you will be responsible for paying the remaining amount out of pocket. However, most injuries caused at home are not severe and can be covered by a home insurance policy. 
It's always best that you take safety precautions when you have people over to be able to avoid these situations. Identify possible risks and make sure to remove or alert visitors about them. 

What does homeowners medical payments coverage cover?

Homeowners insurance can cover an array of medical bills, such as: 
  • Medical bills: For more simple cases/injuries 
  • Surgical bills: When surgery is required 
  • X-rays
  • Dental bills
  • Ambulance charges 
  • Hospital stays 
  • Professional nursing
  • Prosthetic devices 
  • Funeral services 
It may seem surprising, but this medical coverage is not tied to your home. It can also cover injuries that occur outside of your home as long as:
  • It occurs due to a condition at home
  • It is caused by you or another insured family member
  • It is caused by an employee of the house 
  • It is caused by a pet 

What doesn't homeowners medical payments coverage cover?

The first thing you should know is that this coverage is not meant for residents of the home. If you or any other members of your family get hurt at home, the coverage won't go into effect. However, if you have an employee who resides with you and your family, they are indeed covered by the policy in case they get injured. 
Other situations not covered by your homeowners insurance policy are: 
  • When the injury caused was intentional or expected 
  • The injury is related to a business activity that was being carried out at home (unless the house is also being used as a place of business)
  • The injury is a result of you failing to provide professional services (negligence)
  • The property in which the injury happened is not insured 
  • War
  • Communicable disease
  • The injury is a result of punishment or mental abuse 
  • If the injury is associated with the use of controlled substances 
Note: If you happen to be using your house as a business place, make sure to mention it to your insurance provider since this can affect your premiums and coverage.
Medical bills can be costly and accidents can happen to anyone at any time, which is why medical coverage is a standard part of a homeowners insurance policy.
Make sure to talk to your insurance provider and talk about the different medical coverage limits they offer. You might discover that the difference you will pay for the maximum coverage vs the minimum coverage is not that big and may help you save a considerable amount of money and worry down the line.
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