Medical Payments Coverage on Home Insurance: How Much Do You Need?

Medical Payments (MedPay) coverage on a homeowners policy pays for minor injuries to guests on your property, regardless of fault. It does not cover residents or intentional acts.

How Much to Buy

• Standard limits: $1,000 – $5,000 per person.
• Rule of thumb: At least $1,000 per household member (as a proxy for guest exposure).
• Increase if: Frequent entertainers, pool/trampoline/playground, elderly visitors, children's playdates, home-based business with client visits.

What It Covers

• Ambulance/ER visits
• Doctor/dentist visits
• X-rays, sutures, casting
• Prescription meds
• Physical therapy
• Funeral expenses (if death results from covered injury)

Key Distinction

MedPay ≠ Liability Coverage. Liability protects you if sued for negligence (higher limits, $100k–$500k+). MedPay is no-fault, quick-pay for small claims to avoid lawsuits.

Cost

Very affordable—often $5–$20/year per $1,000 of coverage. Increasing from $1k to $5k may cost < $50 annually.

Review with your agent to match your lifestyle and risk tolerance.