Y. Dawne, Content Blogger, Diploma in Journalism, Amsterdam, Netherlands
Answered Feb 06, 2019
Medical payments coverage pays medical expenses incurred from bodily injury caused by accident on property owned or rented by the insured, or venue next to the owner's property, or when caused by the owner's operations. These premiums are made without regard to the liability of the insured. Coverage is provided for damages arising out of ownership or occupancy of the insured premises when not maintained in a reasonable manner. A homeowner with a mortgage has property insurance because the mortgage companies will require it.
Under homeowners coverage for medical payments to others, injuries to the named insured, family members, and any other regular residents are specifically excluded. However, although residents are not usually covered, an exception is made for resident employees and they are covered.