Which for it is available? Medical payments under a homeowners policy - ProProfs Discuss
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Which for it is available? Medical payments under a homeowners policy are available for expenses resulting from an injury?



A. The named insured
B. A residence employee
C. A person who is on the insured location without permission
D. Any regular resident of the insured s household who pays rent

This question is part of Practise Exam 1
Asked by Baltej, Last updated: Sep 20, 2020

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3 Answers

Y. Dawne

Y. Dawne

Avid Reader, Blogger, Motivator

Y. Dawne
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.

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ivanchanhr

ivanchanhr

ivanchanhr
A Homeowner coverage usually includes worker's compensation.
That includes the medical payment to resident employees.
So, it makes no right answers for this question.
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John Smith

John Smith

John Smith
John Smith

Answered Sep 13, 2016

A residence employee

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.
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