< Back to Blog

What is voluntary medical and property damage?

Most homeowner’s insurance policies have a contingency for voluntary medical payments and voluntary property damage payments. But what does that actually mean?

Voluntary Medical Payments coverage pays reasonable medical expenses in the year after an accident if you unintentionally injure another person or if they are accidentally injured on your property – even though you are not legally liable.

Voluntary Property Damage Payments coverage covers unintentional direct loss or damage you cause to somebody’s property – even though you are not legally liable. It can also cover loss or damage to someone else’s property caused intentionally by a minor child (12 years of age or under) in your care.

You don’t have to be legally liable to use either of these coverage options, and there is no deductible.

Reasonable medical expenses can include surgical, dental, hospital, nursing, ambulance service and funeral expenses incurred within one year of the date of the accident. The amount of insurance shown on your Certificate of Property Insurance is the maximum amount your insurance company will pay for each person in respect of one accident or occurrence.

Voluntary Property Damage payments cover what it would cost to repair or replace the property with materials of similar quality at the time of loss. Again, the maximum amount your insurance company will pay is shown on your Certificate of Property Insurance.

Your policy will outline all terms, conditions, limits and exclusions. At DPM Insurance Group, our brokers and CSRs will review your homeowner’s policy, or any other policy you carry, to help you ensure you have the appropriate coverage and fully understand what is and is not covered.


Protect yourself, protect your family, protect your devices.

Learn More

DPM Driver’s Ed Scholarship

DPM Driver’s Ed Scholarship. Your security, our responsibility.

Learn More

Blenheim Office

24 Marlborough St. N., Box 479
Blenheim, ON N0P1A0

Phone: 519-676-8159
Fax: 519-676-0020

Chatham Office

250 St. Clair St.
Chatham, ON N7L 3J9

Phone: 519-352-4343
Toll Free: 1-800-561-4949
Fax: 519-352-6484

Essex Office

29 Talbot St. N, Box 69
Essex, ON N8M 2Y1

Phone: 519-776-6457
Fax: 519-776-7400

Harrow Office

65 King St. W., Box 790
Harrow, ON N0R 1G0

Phone: 519-738-2277
Fax: 519-738-2279

Tilbury Office

59 Mill St. E, Box 1239
Tilbury, ON N0P 2L0

Phone: 519-682-0202
Fax: 519-682-2391

Wallaceburg Office

403 Wellington St.
Wallaceburg, ON N8A 2Y2

Phone: 519-627-1777

DPM Insurance is a BrokerLink company. The BrokerLink companies are subsidiaries of Intact Financial Corporation (TSX: IFC)