What is Guest Medical in Homeowners Insurance?

Scheduled Payment in Homeowners Insurance?


2. What steps do I need to take to add Guest Medical coverage to my Homeowners Insurance policy?

What is Guest Medical in Homeowners Insurance?

Guest Medical Coverage is an optional type of coverage that can be added to many policies, providing medical payments for guests if they are injured on the insured’s property. It is generally available for an additional cost and can be an important part of protecting homeowners from potentially costly medical bills.

What does Guest Medical Cover?

Guest Medical coverage can provide medical payment coverage for visitors injured through no fault of their own while on the insured’s property. This type of coverage typically pays the medical costs upon presentation of an itemized medical bill. It does not provide coverage for an injured party that is legally responsible for the damages.

What are the benefits to getting Guest Medical Coverage?

Having Guest Medical coverage provides important protections for homeowners. Some of the benefits include:

    • Protection from expensive medical bills – Guest Medical coverage can provide financial protection by paying the medical bills of an injured guest rather than the homeowner paying out of pocket.


    • Peace of mind– Knowing that your insurance provides coverage for medical bills associated with injuries suffered by your guests can provide peace of mind for homeowners.


    • Limits the need for litigation – Guest Medical coverage can help reduce the need for litigation as the injured party will receive compensation quickly.


How much does Guest Medical Coverage Cost?

The cost of adding Guest Medical to your Homeowners Insurance policy will vary based on the amount of coverage you choose and the insurance carrier you use. It is important to discuss the options available to you with your insurance agent to determine the right coverage for you and your family.


Having Guest Medical coverage can be an important part of protecting you from financial loss in the event of an injury to a guest on your property. It is a relatively inexpensive additional coverage you should discuss with an insurance agent when shopping for Homeowners Insurance.

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