Coverage F – Medical Payments to Others
Definition:
Insurance that pays for minor injuries to guests, regardless of fault.
Explanation:
This coverage is designed to handle smaller incidents quickly without requiring a lawsuit. It does not cover the homeowner’s own medical expenses.
Example:
If a visitor cuts their hand on broken glass in your kitchen, Coverage F pays their medical bills up to the policy limit.
Why it matters:
This term affects how claims are handled and what payout a homeowner may receive.