Residential Insurance Home-Renters

Residential Insurance: Homeowners and Renters 10 Coverage F —Medical Payments to Others This coverage pays for reasonable medical expenses for persons accidentally injured on your property. For example, if a neighbor’s child is injured while playing in your home, the medical payments portion of your homeowners policy may pay for necessary medical expenses. Medical payments coverage does not apply to your injuries or injuries of those who reside in your household. It is not a substitute for health insurance. Business activities are also excluded. All of the exclusions and specific language can be found in your policy. Perils Generally Covered and Not Covered by a Homeowners Policy Typically covered by a homeowners policy if damage is caused by: Fire or lightning Windstorm or hail Explosion Riot or civil commotion Aircraft Vehicles Smoke Vandalism & malicious mischief Theft Volcanic eruption Falling objects Weight of ice, snow, sleet Sudden & accidental water damage Breakage of glass Typically not covered by a homeowners policy if damage is caused by: Flood Earthquake Earth movement Termites Insects, rats or mice Water damage caused by seepage or leaks Vandalism losses to house vacant for 30 days or more Mold Wear & tear or maintenance War Insurrection Tidal wave Neglect Nuclear hazard