When would you use your medical payments insurance on your homeowners policy?

Medical payments coverage on a homeowners policy typically covers medical expenses for someone who is injured on your property, regardless of who is at fault. An example of when you might need to use this coverage is if a guest or visitor to your home falls and is injured, such as tripping on a loose rug or slipping on a wet floor, and needs medical attention. The medical payments coverage could help pay for their medical bills, up to the limit of coverage specified in the policy.

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