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Question: The Medical Payments Coverage under Section 2 in the HO-3 policy covers all of the following EXCEPT

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  1.  A guest slips and falls on a piece of ice during a birthday party celebration in the insured’s home
  2.  The babysitter sustains a bite to the arm by the insured’s five year old son while arguing over when bedtime is to be imposed
  3.  The insured stumbles down the basement stairs while doing the laundry and breaks his arm
  4.  The insured accidentally hits someone with a golf ball when teeing off from the front of his house and that person needs medical treatment
  5.  A neighbor’s child injures himself climbing over the insured’s fence and requires stitches in the emergency room

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3. The insured stumbles down the basement stairs while doing the laundry and breaks his arm

The Medical Payments Coverage under Section 2 in the HO-3 policy covers all of the following EXCEPT the insured stumbles down the basement stairs while doing the laundry and breaks his arm.

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