Idaho Property and Casualty Practice Exam 2026 - Free Practice Questions and Study Guide

Medical payments under Section II of a Homeowners Policy are designed to cover certain medical expenses incurred by individuals who are injured on the insured premises, regardless of fault. The policy typically includes coverage for guests and others who might come into contact with the insured's property.

A residence employee is considered someone who is employed by the insured and performs duties related to the residence. This includes individuals who are responsible for housekeeping, maintenance, or other domestic tasks. Because of their employment on the premises, residence employees are provided specific coverage for medical payments if they are injured while performing their job duties.

In contrast, the named insured and the named insured's spouse do not qualify for medical payments under this particular section of the policy, as coverage is intended for non-resident guests and not for the insured or their family members living in the household. Tenants who live in a portion of the insured's residence are also generally not eligible for these medical payments, as they do not fall under the intended beneficiary coverage of the Homeowners Policy. The focus on residence employees highlights the policy's provision to support those who are part of the household staff, acknowledging the potential risks they may face while on the job.