Question

First aid expenses under section 2 of a homeowners policy would cover a neighbor that gets injured while helping the insured install a carpet. True or False?

1) True
2) False

Answer 1

The statement is true; homeowners insurance often covers medical expenses for others injured on your property, such as a neighbor helping with tasks like carpet installation.

Step-by-step explanation:

The statement is true. First aid expenses under section 2 of a homeowners policy typically include coverage for medical payments to others. This means that if a neighbor gets injured while on your property, such as helping you install a carpet, the policy would pay out for necessary medical expenses incurred by the neighbor, up to the limits of the policy, regardless of who was at fault for the injury. This is part of the 'goodwill' protection provided by such policies which aims to cover non-household members accidentally injured on your property.