With the holidays quickly approaching, we will soon welcome family and friends into our homes. It is important homeowners understand what their homeowners insurance covers and what they can expect should the unexpected occur. We understand accidents can happen, which is why Coverage F, otherwise known as Medical Payments Coverage, is an important component of your homeowners insurance policy.

What is Coverage F?

Coverage F, or “Medical Payments to Others” coverage is the component of your homeowners insurance policy which will help pay towards injuries sustained by someone who is not the insured, or a regular resident of the property.

How Does Coverage F work?

Let’s say you invite your neighbor over for dinner and they accidentally trip over an object in your home and sprain their ankle. Because the incident occurred in your home, you could be held liable. Luckily, the Coverage F coverage component of your policy will work to save you from paying out of pocket expenses for your neighbor’s medical bills up to the limits of your policy. Watch the video below to learn more about Coverage F from Florida Peninsula Insurance Company’s Penny:

What Does Coverage F Cover?

Medical Payments to others coverage will provide coverage for:

  • Ambulance rides
  • Medical attention
  • Hospital Stays
  • X-Rays or other tests
  • Surgery
  • Dental services

What Does Coverage F Not Cover?

  • Assistance for injuries suffered by a resident of the home
  • General pain or suffering
  • Damage to property
  • Accidents which occur outside of your home or property

What to do Should an Accident Occur on Your Property:

The first thing you want to do is tend to the injured and make sure they are okay. Should the incident require you to file a claim, you should do the following:

  1. Take pictures to document where the accident took place
  2. Take note of the personal information of the injured party
  3. Contact our claims department at 866-549-9672 to file your claim.

Why you need medical payments to others coverage

A small mishap on your property could easily turn into a lawsuit. By having medical payments to others coverage you can deter guests from seeking to benefit from an expensive lawsuit. Should an accident occur in your home or on your property, you will want to make sure you are adequately covered. Luckily, Florida Peninsula Insurance Company offers increased limits on medical payments to others coverage which can be added to your policy. To learn more about this additional coverage, or should you have any questions or concerns about your homeowners insurance policy, please contact your local agent, or call us at 877-229-2244.