South Carolina Personal Lines Practice Exam

Which coverage provides Medical Payments to Others in an HO policy?

1. Coverage E

2. Coverage F

3. Coverage G

4. Coverage H

The correct answer is: Coverage F

In a homeowners insurance policy, Medical Payments to Others is covered under Coverage F. This coverage is designed to pay for medical expenses incurred by individuals who are injured on the insured property, regardless of whether the insured is found to be at fault. This means that if a guest gets injured while visiting the insured's home, Coverage F would cover their medical bills up to the limits specified in the policy, without the need to establish negligence. Coverage E typically refers to personal liability coverage, which protects the insured against legal liabilities for injuries or damages they may cause to other people or their property. Coverage G and Coverage H do not pertain to the Medical Payments coverage; Coverage G is commonly associated with other structures, while Coverage H might refer to more specific types of insurance not relevant to Medical Payments. Therefore, Coverage F is the correct answer because it specifically addresses medical expenses for third parties who are injured on the insured premises.