Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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AmbulanceMedical payments coverage is a valuable part of your homeowners insurance policy and covers things that happen to visitors to your home. Typically, you get a base level of medical payments coverage in a policy, with the option to increase that level.

Medical payments coverage provides protection and good will. If a guest is injured in your home medical payments is a set, maximum amount that can be used to cover doctor bills related to the injury.

Once you have finished learning all about what the medical payments portion of a homeowners insurance policy covers then be sure to enter your zip code above to compare free quotes for home insurance!

Medical Payments in Auto Insurance Policies vs Homeowners Insurance Policies

Most people are familiar with medical payments insurance from auto insurance policies. If you’ve been in a car accident you may have experience with medical payments. For an auto policy, each person in the car is covered to the limits of the policy (meaning how much coverage the driver purchased).

Homeowners insurance is different. Auto coverage is part of the general category of called casualty insurance. Homeowners insurance is in the larger group called property insurance.

As a result, medical payments on a homeowners policy do not work the same way as you’re used to on car coverage. You and your dependents are not eligible for medical payment coverage on your own homeowners policy.

Medical payments coverage is only for people who do not live full-time in your home. This is one of the places where modern families can be confusing. You’ll find potential differences state to state. Still, you want to remember that in the eyes of the law there’s a difference between a child who is in your primary custody and lives at your home vs children who come on custody visits.

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Payment of Medical Bills

Also, be aware that medical payments coverage is for the literal cost of medical bills. Pain and suffering due to an injury are not part of this coverage. Time spent healing when a person is unable to go to work is not covered either. The coverage is exactly what the term describes: medical payments.

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“No Fault” Coverage

The medical payments are considered “no fault” coverage. Legally, no fault means that if your policy makes a payment for medical expenses, it is not an admission of guilt or wrong-doing. When situations involving injures get complicated, lawyers often get involved. That’s why medical payments being “no fault” coverage is so important. Your protection isn’t prejudiced. And your policy covering the medical bills for an accident can create good will. In many situations good will goes along way to easing problems.

One issue specifically determines if medical payments are available. When an injury results from a dangerous situation that a prudent homeowner would have fixed, it could be considered negligence.

A common example is when building code requires a hand-railing on a series of steps but the home doesn’t meet this code and the owner puts of the repair or upgrade. If someone were to get injured on the stairs, negligence would be a factor. As a result, medical payments would be denied. A homeowner must meet reasonable responsibility. Medical payments are about accidents, not disrepair.

Coverage for Children

Children Playing & Medical Payments Coverage for ChildrenChildren really bring out protective instincts. Imagine having a sleepover at your house. Everyone does the best they can to watch all the kids but, as so can easily happen, what if one child is out of sight for a few minutes? Imagine that the child goes to the side of house apart from the group and trips over the garden hose.

Back in the group, the child complains of a sore wrist. Kids fall frequently, so at first no one is really worried. Eventually, though, parents are called and the child ends up in the emergency room. Thanks to breaking the fall with a hand, the young sleep over participant has a broken wrist.

Before you know it, tense words have been exchanged between the parents. Threats are made. What do you think would happen in this scenario if there was a way to handle the medical expense without inflating the legal concerns involved? As you might imagine this could definitely improve communication, emotions, and perhaps even avoid a lawsuit.

Difficult situations may be diffused by simply having enough medical payment coverage on your policy so the injured person doesn’t have to worry or sue to meet their needs. And be very clear, this coverage is for people who come to your home, not for anyone who is considered a resident.

Medical payments are typically purchased in coverage units of $1,000 each. Most states include a basic amount of coverage in every policy. If you enjoy having people in to visit increasing the amount of medical payments on your policy could be a good idea.

Frequently each neighborhood or group of kids has one house where they spend the most time. This is one way that risk and exposure are increased exposure in the eyes of insurance and legal concerns. If your home is the popular house it’s likely the having more insurance for medical payments is a great way to keep everything safe and protected.

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Comparing Medical Payments Quotes

Do you how much medical payments coverage you have right now? You may or may not know if that’s enough coverage. Even more important, what can you do to afford more coverage? If you’re ready for peace of mind, get a competitive homeowners insurance quote comparison today by entering your zip code in now!