Who would be covered under homeowner medical payments?

The correct answer is that a friend helping the insured lay carpet would be covered under homeowner medical payments. Homeowner medical payments are designed to provide coverage for medical expenses incurred by guests and visitors who suffer an injury on the insured property, regardless of liability. This means that if the friend were to get injured while assisting with the carpet installation, the homeowner's policy could cover their medical expenses.

In contrast, a foreign exchange student living with the insured might be considered part of the household, which could affect their eligibility for medical payments under the policy. Similarly, a tenant of the insured's residence is generally not covered because they are not classed as a visitor; their own liability insurance would typically cover such incidents. Lastly, while a son of the insured bitten by a family dog may have a claim, it is worth noting that injuries to family members or those residing in the household are usually excluded from homeowner medical payments coverage.