Let's say Bill and Bernice, or maybe cousin Evie, are walking up the driveway and one of them slips on a rock and breaks and a hip. Although they don't want to take me to court, my insurance company will pay for their medical bills. Guest medical coverage is included in most homeowner policies. Insurance will pay for anyone who is injured on the property in an accident not covered by the general liability portion of the policy. The insurance company will pay for such things as surgery, X-rays, an ambulance ride and a person's hospital stay [source: Allstate].