Home & Property
Coverage F (Medical Payments)
The homeowners policy section that pays minor medical bills for guests injured on the property regardless of fault.
Last reviewed: May 2026 · Editorial methodology
Definition
Coverage F (Medical Payments to Others) is a no-fault coverage that reimburses reasonable medical expenses for guests or non-residents injured on the insured property or by the insured's activities, without requiring the policyholder to be proven negligent. Standard limits are $1,000–$5,000, and the coverage is designed to quickly resolve minor injuries — a twisted ankle on the front steps or a child cut on a fence — without litigation. Coverage F does not cover the policyholder, residents of the household, or tenants; it is strictly for third-party guests. Because it is no-fault and capped at a small limit, it functions as a goodwill gesture that can prevent small disputes from escalating into Coverage E liability claims. Medical Payments coverage is included automatically in HO-3, HO-4, HO-5, and HO-6 policies. Higher Coverage F limits (up to $25,000) can sometimes be endorsed onto the policy for households with elevated guest-injury exposure, such as a home with a pool or a frequently entertained home.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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