Glossary

Medical payments to others (Coverage F)

No-fault coverage that pays the medical bills of a guest hurt on your property, whether or not you were at fault, up to a small per-person limit.

Also called: Coverage F, med pay, guest medical coverage

Medical payments to others, Coverage F, pays reasonable medical expenses for people who are injured on your property, or by your activities or pets elsewhere, regardless of who was at fault. It does not cover you or anyone who lives with you. Typical claims are a guest who trips on a step and needs X-rays, or a neighbor's child hurt on your trampoline.

The ISO base limit is $1,000 per person, and many policies offer higher choices, commonly up to $5,000. Under the standard form, the expenses must be incurred within three years of the accident. Payment goes to the injured person or the provider, and no lawsuit is needed. Paying a claim under this coverage is not an admission of liability.

The purpose is goodwill and prevention. A quick payment of a modest bill often keeps a minor injury from becoming a personal liability claim. But the limit is small. A broken bone or an ambulance ride can use it up, and a larger injury is handled under Coverage E, not Coverage F.

For more on how Coverage F claims work, see the Coverage F guide, and read slip and fall on your property: how liability works to see how a guest's fall can turn into a liability claim.

Last reviewed October 10, 2026

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Related terms

Personal liability (Coverage E) Coverage that defends you and pays damages if you are legally responsible for injuring someone or damaging their property, at home or away from it. Premises liability The legal duty of an owner or occupier to keep property reasonably safe, and the exposure when a visitor is hurt by a wet step, loose railing or icy walk. Bodily injury Physical harm to a person, including sickness, disease and resulting death, that triggers liability and medical payments coverage under a homeowners policy. Policy limit The most an insurer will pay for a covered loss under one coverage, set separately for the house, other structures, belongings, living costs and liability. Umbrella policy Extra liability coverage, typically sold in $1 million steps, that applies above your home and auto liability limits and may cover some claims they exclude.

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