{"id":48532,"date":"2024-10-17T15:01:48","date_gmt":"2024-10-17T19:01:48","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=48532"},"modified":"2025-12-12T15:04:10","modified_gmt":"2025-12-12T20:04:10","slug":"medical-payments-coverage-homeowners-insurance","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/medical-payments-coverage-homeowners-insurance","title":{"rendered":"Medical payments coverage &#8211; homeowners insurance"},"content":{"rendered":"\n<p>In every standard <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\">homeowners insurance<\/a> policy, there is a section called Medical Payments insurance, also known as Coverage F. This coverage is used to pay for the minor injuries of other people, whether or not you are responsible.<\/p>\n\n\n\n<a id=\"back-to-top\"><\/a>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#coverage\">What is medical payments coverage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#pay\">What does medical payments coverage pay for<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#for\">What does it not pay for<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#need\">How much coverage do I need<\/a><\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"coverage\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">What is medical payments coverage <\/h2>\n\n\n\n<p>Medical Payments coverage is a <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-home-insurance-cover\">standard part of your homeowners insurance<\/a> that protects you if guests are injured on your property, whether you\u2019re responsible for the accident or not. Unlike <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-homeowners-liability-insurance-cover\">Personal Liability coverage<\/a>, it is only used to cover expenses related to minor injuries, such as X-rays, ambulance rides and physical therapy. As a result, Medical Payments coverage has a low maximum limit\u2014usually between $1,000 and $5,000.<\/p>\n\n\n\n<p>Medical Payments coverage is especially valuable because it doesn\u2019t matter who was at fault for the incident. Not only does this insurance help prevent arguments over who\u2019s to blame, but it can also help prevent costly lawsuits from being filed.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>How is it different from Personal Liability coverage?<\/strong><\/h3>\n\n\n\n<p>Although Medical Payments coverage may sound similar to Personal Liability coverage, there are some significant differences between the two. For example, Medical Payments has relatively low limits, it only covers minor injuries, and it won\u2019t cover any legal fees if the injured party decides to sue.<\/p>\n\n\n\n<p>Here are the differences:<\/p>\n\n\n\n<div style=\"border:1px solid #0078D6; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px; font-size:1.125rem;\"><tr><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:50%;\"><strong>Medical Payments Coverage<\/strong><\/td><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: left; width:50%;\"><strong>Personal Liability Coverage<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:top;\">Applies no matter who is at fault for the incident<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:top;\">Only applies if you are responsible for the incident<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Has low coverage limits; usually between $1,000 to $5,000<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Has much higher coverage limits; usually between $100,000 and $500,000<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Does not cover property damage<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Covers property damage<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Does not cover legal fees<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Covers your legal defense in a lawsuit<\/td><\/tr>\n\n<\/table><\/div>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"pay\"><\/a><h2 style=\"margin-bottom:0px; margin-top:10px;\">What does medical payments coverage pay for <\/h2>\n\n\n\n<p>Medical Payments coverage helps pay for expenses related to minor injuries that occur on your property, regardless of who is at fault. In most cases, your insurance carrier will reimburse the injured party for the following:<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>What Medical Payments Covers<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Health insurance deductibles and copays<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Doctor or hospital visits<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Minor surgeries<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">X-rays<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Prosthetic devices<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Ambulance and emergency technician fees<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Professional nursing services<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Physical therapy<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Dental work<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Funeral services<\/span><\/li><\/ul><\/div>\n\n\n\n<p>It\u2019s important to note that the injury does not always have to occur inside your home, either. If your dog bites someone in the park, for example, Medical Payment coverage may be able to cover that, as well.&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>What are some examples of Medical Payments claims?<\/strong><\/h3>\n\n\n\n<p>Here are two examples that might help explain Medical Payments coverage a little bit better:<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"48533\" class=\"elementor elementor-48533\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b63d75e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b63d75e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-307cda5e\" data-id=\"307cda5e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-27bb47b6 elementor-position-left elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"27bb47b6\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 72 72\" style=\"enable-background:new 0 0 72 72;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{fill:none;stroke:#0A92D1;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;}<\/style><path class=\"st0\" d=\"M36.3,4.4C33.5,4.6,29.7,2.2,27,2c-2.7-0.2-6.6-0.6-10.9,1.6c-3.1,1.6-7.2,7-7.9,10.3S6.4,24.2,9.4,30.8 s6.3,10.6,6.7,12.2c0.4,1.7,1.4,12.1,1.7,14.2s0.6,8.5,1.3,9.9s1.9,2.9,4.8,2.9c2.5,0,3.6-2,4.3-5.7c0.6-3.6,2.2-14.3,3.3-17.4 c1.1-3.2,2.1-4.9,4.9-5s4.3,1.7,4.7,3.1s1.8,8.2,2.5,13c0.5,3.5,1.4,7.6,2.8,10.4c0.9,1.7,2.3,1.9,4.3,1.7c2.5-0.2,3.8-2.5,4.1-4.9 c0.2-2.2,1.2-18.9,1.6-20.5c0.4-1.6,1.2-3.2,3.6-7.5s4.9-8.5,5.2-10.9s0.9-4.4-1.1-4.2c-2.1,0.2-4.8,1-5.6,0.9s-4.4-2-4.4-2.8 c-0.1-0.8,1.6-4.5,1.6-5.2c0-0.7-2.1-7.1-2.7-6.9c-0.6,0.2-3.1,0.6-3.7-0.1c-0.6-0.7-1.2-6.3-2.3-6.2C46,2,42.5,2,41.4,2.8 C40.6,3.3,38.4,4.3,36.3,4.4z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tScenario #1\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tA guest trips on your deck while texting and chips their tooth. Because it\u2019s a minor injury, Medical Payments could take care of their dental bills.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bb745c8 elementor-position-left elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"3bb745c8\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 72 72\" style=\"enable-background:new 0 0 72 72;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{fill:none;stroke:#0A92D1;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:2.6131;}<\/style><path class=\"st0\" d=\"M62.3,24.9c0.7-2.2,3.8-12.3,5-22c0-0.3-0.1-0.6-0.3-0.8c-0.2-0.2-0.5-0.4-0.8-0.4H40.8c-0.3,0-0.6,0.1-0.8,0.4 c-0.2,0.2-0.3,0.5-0.3,0.8l2.6,23.4 M15.9,58c-0.5,0.2-3.9,1.5-4.4,1.7c-1.6,0.6-6.4,0.9-6.7,1.4c-0.3,0.5-0.4,5,3.1,6.1 c3.5,1.1,9,0.5,9.5,0.7c0.3,0.1,5.7,2.6,9.7,2.5\"><\/path><path class=\"st0\" d=\"M62.5,57.5c-2.2-4.9-1.5-15.3-1.4-18.4c0-2,0.1-3.7,0.2-4.9l0.1-1.8c0.1-0.7,0.7-6.1,1-7c0-0.1,0-0.3-0.1-0.4 c-0.1-0.1-0.2-0.2-0.4-0.2l-19.5,1.3c-0.1,0-0.2,0.1-0.3,0.1c-0.1,0.1-0.1,0.2-0.1,0.3l0.3,10.8 M52.5,70.2c0.3,0,1.8,0.3,3.8-0.1 c4.2-1,6.8-2.3,6.6-8.4c0-1.7-0.2-3.1-0.4-4.2c0-0.1-0.1-0.2-0.1-0.2L42.9,37.1c-0.2-0.2-0.4,0.1-0.4,0.3c0,3.7-0.7,8-2.2,9.3 c-0.1,0.1-4.7,2.2-6.4,3 M33.9,49.7c-5.2,2.4-12.5,5.7-17.5,7.9c-0.3,0.1-0.6,0.4-0.6,0.8c-0.1,0.4,0,0.7,0.3,1L26.6,70 c0.2,0.3,0.6,0.4,0.9,0.3c4.7-0.7,7.3-3.2,14.6-2.3c5,0.6,7.8,1.8,10.3,2.2c0.1,0,0.3,0,0.3-0.2c0.1-0.1,0.1-0.3,0-0.4L35.1,49.9 C34.8,49.6,34.3,49.5,33.9,49.7L33.9,49.7z\"><\/path><path class=\"st0\" d=\"M45.7,40.1L62,28.4 M52.6,47.2l8.4-6.1\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tScenario #2\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tA neighbor slips on your icy driveway, resulting in a sprained ankle. Medical Payments coverage may cover their X-ray and hospital visit. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<p>On the flip side, if either of these incidents resulted in a broken ankle and a lawsuit, the potential cost to you would be far greater. As a result, your <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-homeowners-liability-insurance-cover\">Personal Liability insurance<\/a> would be a better fit for the claim.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Does Medical Payments insurance cover injuries away from the home?<\/strong><\/h3>\n\n\n\n<p>Yes, sometimes. Check out the table below to see when your Coverage F may help pay for injuries that occur away from your home.<\/p>\n\n\n\n<div style=\"border:1px solid #0078D6; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px; font-size:1.125rem;\"><tr><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:50%;\"><strong>Off-Premises Incident<\/strong><\/td><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: left; width:50%;\"><strong>Example<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:top;\">Injury was caused by a pet<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:top;\">Your dog bites someone while you\u2019re out for a walk<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Injury was caused by you<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">You accidentally hit someone with a golf ball in the park<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Injury was caused by a household employee<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Your housekeeper drops a heavy package of yours on someone\u2019s foot at the post office<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Injury was caused by a condition in your home<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Your home has mold growth and a guest gets sick after leaving the premises<\/td><\/tr>\n\n<\/table><\/div>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"for\"><\/a><h2 style=\"margin-bottom:0px; margin-top:10px;\">What does it not pay for<\/h2>\n\n\n\n<p>As long as the injury was minor, Medical Payments coverage will protect you under most circumstances\u2014but not all. Most notably, this coverage won\u2019t apply if the injured person lives in your home, or if your home is uninsured.<\/p>\n\n\n\n<p>Additionally, Medical Payments coverage won\u2019t apply if the injury was caused by:<\/p>\n\n\n\n<ul><li>An expected or intentional act<\/li><li>Business that took place at your house<\/li><li>A failure to render professional services<\/li><li>A communicable disease<\/li><li>Corporal punishment or physical or mental abuse<\/li><li>Controlled substances<\/li><li>War<\/li><\/ul>\n\n\n\n<a id=\"need\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">How much coverage do I need <\/h2>\n\n\n\n<p>If you own a house or condo, your home insurance policy will come with at least $1,000 in Medical Payments coverage, which could be enough. However, you can typically raise your Coverage F limit to $5,000 per incident.<\/p>\n\n\n\n<p>If you decide to file a Medical Payments claim with your insurance carrier, and you have a $5,000 maximum, your insurer could take care of any injury-related expenses up to that limit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Medical Payments coverage protects you if guests are injured on your property, whether or not you\u2019re to blame. And it\u2019s part of your homeowners insurance policy!<\/p>\n","protected":false},"author":6,"featured_media":48525,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[79,83,80,81,82,84],"class_list":["post-48532","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Medical payments coverage | Plymouth Rock Assurance<\/title>\n<meta name=\"description\" content=\"Medical Payments coverage is part of your homeowners insurance. 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