Does Homeowners Insurance Cover Guests? 
Guests to a home are covered by the Homeowners Insurance Policy as far as Medical Payments are concerned . Most policies afford Medical Payments to Others -LRB- Guests -RRB- and are offered on a Per Person basis not to exceed an Aggregrate amount of $ 25,000 per occurrence . It is most common for the Per Person amount to be $ 1,000 , $ 2,000 or $ 5,000 . The homeowners deductible does not apply to claims made under Section II -LRB- Liability & Medical Payments to Others -RRB- . Please review your current declarations page to confirm the coverage amounts on your specific policy . 