Are overnight guests covered for medical payments under a homeowners policy?

Overnight guests are indeed covered for medical payments under a homeowners policy. Homeowners insurance typically includes coverage for medical payments to others, which provides financial assistance for medical expenses arising from injuries sustained on the insured property, regardless of fault. This coverage applies to various people, including overnight guests, as they are considered visitors to the insured premises.

This kind of coverage is designed to create a sense of security for homeowners, ensuring that if someone is injured while on their property, the homeowner can address medical expenses promptly, thereby avoiding potential lawsuits or more significant financial burdens.

The other choices imply unnecessary restrictions, such as limiting coverage to family members only or confining it to injuries incurred on the property, which does not reflect the broader intent of the medical payments provision in homeowners policies. The overarching principle is to protect the homeowner and provide care for guests who might suffer an accident while visiting.