Would first aid expenses under section 2 of a homeowners policy cover a neighbor injured while helping the insured?

First aid expenses under section 2 of a homeowners policy typically cover necessary medical expenses that arise from injuries incurred by others on the insured's property or due to the insured's activities. This includes situations where a neighbor, while helping the insured, sustains an injury. In this context, the homeowners policy is designed to provide a level of liability coverage, and first aid expenses help mitigate immediate medical costs without the need for a formal liability claim.

When a neighbor is assisting the insured, this activity can create an expectation of care that goes beyond mere presence; it acknowledges the contributions made by that neighbor. As such, the first aid expenses coverage in this instance supports its purpose of fostering goodwill within the community and providing assistance to those inadvertently harmed while interacting with the insured.

The other options do not align with the specific coverage provided. For example, asserting that first aid expenses would only apply if the neighbor is a guest or if they have permission restricts the broader intent of the policy to cover injuries when the insured is indirectly responsible, reinforcing community safety and cooperation among neighbors.