Does Homeowners Insurance Cover Guests?

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   HDA Insurance Brokerage

   Director, HDA Insurance Brokerage, California

   Guests to a home are covered by the Homeowners Insurance Policy as far as Medical Payments are concerned.   Most policies afford Medical Payments to Others (Guests) and are offered on a Per Person basis not to exceed an Aggregrate amount of $25,000 per occurrence.   It is most common for the Per Person amount to be $1,000, $2,000 or $5,000. 
   
   The homeowners deductible does not apply to claims made under Section II (Liability & Medical Payments to Others). 
   
   Please review your current declarations page to confirm the coverage amounts on your specific policy.

   Answered on June 2, 2013

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