Who is not eligible to receive benefits under the medical payments provision of a homeowners policy?

The medical payments provision of a homeowners policy is designed to provide coverage for medical expenses incurred by specific individuals regardless of fault. Generally, this provision covers guests and other visitors who may be injured on the property.

The correct choice indicates that the insured's minor child is not eligible for benefits under this provision. This is rooted in the idea that a homeowners policy is designed to protect against injuries to others, rather than to cover the insured or their immediate family members for injuries that occur within the home. In this context, the rationale is that the policy is meant to provide financial assistance to third parties and guests, while the developmental and protective needs of immediate family members, including minor children, fall under different types of coverage, often addressed through health insurance or specific family coverage options.

In contrast, the insured's spouse, relatives, and guests could claim benefits under this provision because they may experience injuries that necessitate coverage while on the insured's property.