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Insurance · Adjuster Basics and Licensing

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

Reviewed by Jordan Morley, Editorial Lead at 247SimpleTests. Written by the 247SimpleTests Editorial Team from the official source material cited on every question.

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

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

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About this topic: Adjuster Basics and Licensing

Adjuster basics cover the types of adjuster (staff, independent, public), licensing and continuing-education requirements, the adjuster's duties to the insurer and the insured, and the stages of a claim from first notice to closure. This is one of 9 Insurance Adjuster questions on adjuster basics and licensing, each with a full explanation on a single study page.

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