What Does Homeowners Medical Insurance Cover? 
Coverage F Medical Payments is coverage that will pay the necessary medical expenses that are incurred or medically ascertained within three years from the date of an accident causing `` bodily injury '' . Coverage applies to accidents that incur on the insured premises -LRB- the home -RRB- or as the result of an action by the insured at any location . For example , you leave your suitcase in the hallway of a hotel and someone trips over it . The basic limit is $ 1,000 , but higher limits are available and they are very inexpensive . The purpose of this coverage is twofold . First , paying doctor and hospital bills promptly for accidents the insured may have caused could minimize the likelihood of troublesome litigation . Second , submitting the bills helps insurance companies identify accidents early and therefore gives the insurance company time to investigate the circumstances and prepare a defense if necessary . Medical Payments Coverage is not intended to provide accident insurance for the insureds family . Accordingly , the named insured and family are excluded from coverage . I hope I 've answered your question . If not , feel free to call , fax or email me . Kevin P. Foley , CPA , CPCU PFT&K Insurance Brokers T 877-414-2031 F 877-405-3025 E kpfoley -LSB- at -RSB- kpfoley -LSB- dot -RSB- com W www -LSB- dot -RSB- kpfoley -LSB- dot -RSB- com 