Medical payment to others Insurance to protect your guests
Medical payment to others Insurance to protect your guests
A standard homeowners insurance policy typically covers things like fire damage, hail damage, and theft of your belongings. But you might not be aware that one part of your homeowner's insurance policy normally also covers medical expenses for a visitor who’s hurt on your property, no matter whose fault it was. Medical payment to others Insurance is actually to pay for the medical expenses of people who have had an accident in your home.
There are several cases covered by Medical payment to others Insurance:
- ER visits
- Hospital stays
- Surgeries
- Physical therapy
- X-rays
- Ambulance rides
- Funeral services
An example of how this insurance works: If someone falls in your home and their teeth are injured your medical payments coverage should pay for dental work—up to the amount specified in your policy. It doesn’t matter whose fault his fall was.
