247SimpleTests
Insurance · General

What is 'medical payments coverage' in a homeowners policy?

Correct answer

Coverage that pays medical bills for guests injured on the insured's property — regardless of fault, up to the policy limit

  1. A Health insurance for the homeowner
  2. B Coverage that pays medical bills for guests injured on the insured's property — regardless of fault, up to the policy limit
  3. C Coverage for the homeowner's own medical bills
  4. D A required endorsement in all states

Why this is the answer

Medical Payments coverage (Coverage F in homeowners; MedPay in auto) pays medical expenses for guests or visitors injured on the insured's property without requiring proof of negligence. It is a goodwill coverage — small limits ($1,000–$5,000 typically) that pay quickly to preserve relationships and prevent small claims from becoming lawsuits. The insured themselves and household residents are NOT covered under Medical Payments.
Source: Adjuster Exam, Medical Payments Coverage

Practice more questions

This question is from our Insurance License Practice Tests practice test. Take the full practice test to test your knowledge across all General and other topics.

Take the Insurance Adjuster practice test →

New to this exam? Our Insurance exam guide explains the format, scoring, and how to prepare.

Related questions

General

An insured's homeowner policy has a $500 deductible. A covered loss totals $1,800. What does the insurer pay?

 General

What is 'subrogation' in insurance?

 General

A policy has a $100,000 per-occurrence liability limit and a $300,000 aggregate limit. Two separate claims of $80,000 and $90,000 occur in the same policy year. What is the total payout?

State-specific guides

Need information for your state? Our state guides cover local requirements, fees, and what to expect on exam day.

California Texas Florida New York Pennsylvania Illinois Ohio Georgia

Recommended study materials

Study guide

Life & Health Insurance License Exam Manual (Kaplan)

Kaplan's comprehensive life and health producer licensing prep with chapter quizzes and full practice exams.

Check Price → Study guide

Property & Casualty Insurance License Exam Manual (Kaplan)

Personal and commercial lines, policy structure, and state law concepts for P&C producer licensing.

Check Price → Study guide

Insurance Adjuster Licensing Exam Prep (Xcel Solutions)

State adjuster exam prep covering policy interpretation, investigation, valuation, and claims handling.

Check Price →

As an Amazon Associate, CJ Affiliate, and AWIN publisher we earn from qualifying purchases. Links above are affiliate links. Full disclosure →