Please note the following:
Your coverage and limits are listed and described in your policy. You should not construe any of this material as altering or expanding your coverage. This is not a contract. Coverage and policy language can vary by state.
What is Liability coverage?
Liability coverage pays for loss as a result of bodily injury and property damage caused by an occurrence. For example, if your dog bites someone or someone falls and is injured on your property this coverage may pay for their damages. We will investigate to determine if your negligence contributed to their bodily injury or property damage. Subject to the terms and conditions of your policy, we will adjust those claims in which you may be legally liable.
This coverage does not respond to damage to your own property or injury to an insured or a member of your family living in the same household. The amounts paid to another party are subject to your policy limits.
What is Medical Payments coverage?
Under the homeowners policy, it provides protection for your guests who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault up to the limit provided under the policy.