Homeowners Policy (HO)Question 350 of 474
The insured's own resident daughter breaks her arm on the stairs at home and needs $3,000 of treatment. Under Coverage F, the homeowners policy pays:
a.$1,000, the per-person limit
b.$500, half the stated limit
c.nothing, as she resides there
d.$3,000, as no fault is needed
Explanation
Medical payments to others is written for people outside the household; it excludes bodily injury to the named insured, the resident spouse and other residents of the household, so a resident daughter brings nothing. Her care is a health insurance matter instead. The answer paying $1,000 forgets that the residency test comes before the no-fault feature.
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