Endorsements & Optional CoveragesQuestion 95 of 474
Coverage F medical payments to others on a homeowners policy is BEST described as:
a.A coverage that pays the medical bills of the named insured and resident relatives only, up to $5,000 per person, with injuries to guests handled instead under Coverage E once negligence is proved
b.A property coverage that pays for damage to a visitor's belongings while they are on the residence premises, subject to the same $1,000 special limit the policy applies to theft of currency, and requiring no showing of negligence
c.A liability coverage that pays an injured guest's medical expenses only after the insured is found legally at fault, and that shares the single Coverage E limit shown on the declarations page
d.A no-fault coverage with a low limit (typically $1,000-$5,000) that pays reasonable medical expenses for non-insured persons injured on the premises or by the insured's activities
Explanation
Coverage F is a goodwill, no-fault coverage. It pays reasonable medical expenses, usually limited to $1,000-$5,000 per person, incurred by guests or others (not insureds or regular residents of the household) who are injured on the premises or by the insured's activities off the premises. It pays without proof of legal liability, helping to head off small claims from becoming lawsuits.
Law Reference: ISO HO Coverage F medical payments to othersThis topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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