Which scenario would most likely not be covered under April's medical payments?

• A. A child playing on her porch steps
• B. A passerby slips on wet steps
• C. A neighbor's child playing on the steps
• D. A child playing hide-and-seek falls on the steps to April's porch

Answer: (D)

Medical payments to others in a homeowners policy are meant to cover reasonable medical expenses for people who are injured on the insured location but who aren’t residents of the insured household. The key point is that this coverage pays third-party medical costs, not the medical costs of the insured or of people who live in the insured home.

In the scenarios, a passerby who slips on wet steps and a neighbor’s child playing on the steps are both third parties on April’s property, so their medical expenses would typically be covered. But the scenario where a child playing hide-and-seek falls on the steps to April’s porch describes an injury to someone who is a member of the insured’s household. Since medical payments to others don’t cover injuries to residents of the household, this case would not be covered.