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A homeowners policy also includes coverage for medical payments that cover the cost of medical treatment for persons, other than yourself and immediate family members, who are injured in accidents in and around your home. Accidents (other than auto) that do not occur on your property, but are caused by you or a member of your family are also covered.

See Also:
Property Coverage
Personal Liability Coverage
Additional Living Expenses
How Much Do You Need?
Additional Coverages
What is Not Covered