By Jarrod Heil

Home Insurance Breakdown: What Is Coverage F (Medical Payments)?

Medical payments coverage and personal liability coverage are two similar pieces of a home insurance policy that many people often get mixed up with one another.

Both coverages pertain to injuries sustained on the policyholder’s property and, when a claim is filed, can help to pay expenses related to those injuries. They sound like they do the same thing for the policyholder, but they’re actually pretty different from one another.

With personal liability coverage, the policyholder must have been deemed liable to have caused or aided in the event of the injury. But, with medical payments coverage, it doesn’t matter who’s at fault. Your home insurance policy could still help to pay for the damages.

Let’s take a look at everything you need to know about Coverage F of your home insurance policy.

What Is Medical Payments Coverage?

What Is Medical Payments Coverage Used For?