Under a homeowners policy, first aid expenses for injuries to others are covered under which provision?

• A. Medical payments to others
• B. First aid expenses
• C. Personal liability coverage
• D. Medical payments for the insured

Answer: (B)

First aid expenses coverage is designed to reimburse reasonable costs you incur while giving or arranging first aid for others after a covered accident. In a homeowners policy, this is a separate liability provision specifically labeled to handle those immediate, prudential costs—things like supplies or services used to provide first aid at the scene. It’s distinct from medical payments to others, which pays medical bills for injuries to others, and from personal liability protection, which covers damages you might owe if someone sues you. It’s also not the coverage for medical payments for the insured themselves. So when the question asks which provision covers first aid expenses for injuries to others, the correct concept is the First Aid Expenses provision. For example, if you apply bandages or call for emergency help and incur allowable costs, those expenses are covered under this provision up to the policy’s limits.