Coverage F (Medical Payments to Others) under a Homeowners policy pays medical expenses for an injured guest:

解析

Medical Payments to Others (Coverage F) is a no-fault, goodwill coverage that pays reasonable medical expenses for a non-resident injured on the insured premises or by the insured's activities, whether or not the insured is legally liable. It does not cover the insured or regular household residents. Paying small medical claims quickly helps preserve goodwill and can prevent larger liability lawsuits.