What is Medical Payments Insurance in a Homeowners Policy?
Medical payments insurance covers the medical expenses of guests injured at your home, regardless of who was at fault for the injuries.
Written by Payton Ternus
Reviewed by Melanie Reiff
Table of Contents
- What is medical payments insurance?
- What does medical payments insurance cover?
- Do I need medical payments insurance?
- How to save on homeowners insurance
- FAQs
Load full table of contents
The medical payments insurance in your homeowners policy covers the medical bills of any guests who are injured while at your property, no matter who is at fault for the injuries.
Homeowners insurance typically covers your home against perils like fire, falling objects, and theft. But did you know you’ll also be covered in the event someone is injured at your home if you have medical payments coverage?
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What is medical payments insurance?
Medical payments insurance is designed to cover medical claims that are a result of a guest getting injured while visiting your property—no matter who is found to be at fault for the injuries. It is also known as Coverage F in standard homeowners policies.
This coverage is usually meant to reimburse you for minor physical injuries, but it can also help you avoid any lawsuits from parties injured at your home. Standard homeowners policies usually have medical payments coverage limits set at $1,000 to $5,000, but certain lenders can offer limits up to $10,000 or $25,000.
What does medical payments insurance cover?
Medical payments insurance covers injuries to guests at your home, no matter who is found to be at fault for the injuries. However, like most insurance coverages, there are certain circumstances and situations that are not covered.
Let’s break down what is and isn’t covered by medical payments insurance.
What is covered by medical payments insurance
Medical payments insurance will cover necessary medical expenses that are a result of the injuries incurred at your home within three years from the accident date. Coverage F will cover these medical expenses:
- Ambulance
- Dental
- ER
- Funeral services
- Hospital
- Medical
- Professional nursing
- Prosthetic devices
- Physical therapy
- Surgery
- X-rays
This coverage will also cover injuries to your guests away from your home if you, your pet, or your employee caused the injury, or if the injury was caused by a condition of your home.
What isn’t covered by medical payments insurance
The following circumstances are excluded from medical payments insurance coverage:
- Communicable diseases
- Controlled substances
- Corporal punishment, or mental or physical abuse
- Expected or intentional injuries
- Injuries arisen from a connection with business conducted at your home
- Injuries caused by your failure to hire professional services
- Premises that you own or rent, but isn’t insured
- War
You also need to keep in mind that you and permanent members of your household, except for household employees, are not covered by medical payments insurance.
Do I need medical payments insurance?
Medical payments insurance is generally included in standard homeowners insurance policies. It is not a legally required coverage to have and is technically optional.
However, it is a highly recommended coverage since it can help pay for medical expenses for others if they are injured at your house. It doesn’t add much to your insurance premium, and it can potentially help you avoid lawsuits in the future.
How to save on homeowners insurance
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FAQs
How much coverage should I have for medical payments?
Medical payments coverage limits are usually at $1,000 to $5,000 in a standard homeowners insurance policy. Certain insurers can offer limits as high as $10,000 or even $25,000, so the choice is up to you and your insurance provider.
How do you make a medical payments claim?
Making a medical payments claim is similar to every other insurance claim: anyone injured at your home submits their medical bills to your insurance provider. Remember to document the conditions around your home if an accident occurs.
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