Homeowners Policy (HO)Question 360 of 531

The insured's dog bites a jogger in a public park, and the jogger runs up $700 of medical bills. Coverage F:

a.pays only if the insured is found at fault
b.pays nothing off the residence premises
c.pays $700 from the Coverage E limit
d.pays $700, the animal being the insured's

Explanation

Medical payments to others reaches a person injured away from the residence premises when the injury is caused by an animal owned by an insured or by an insured's own activities, so the jogger's $700 is payable. The answer that stops the coverage at the property line ignores that off-premises trigger. Fault is irrelevant here, and the money comes from the Coverage F limit rather than from personal liability.

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