The med pay under the home policy is for basic "trip and fall" coverage that is paid out fairly easily. If the injury exceeds the med pay limits, then the Personal Liability under the homeowners kicks in. Typically, anything paid under the Med Pay is subtracted from the Personal Liability settlement. I carry $1,000 med pay, $500,000 liability on home, and an umbrella policy. IMO, the minimum liability one should carry on their home/renters policy is $500,000. ***RENTERS*** especially if you live in a mulit-unit apartment, don't go cheep and only buy $100,000 of liability. Go to at least $500,000 for about $15 more per year. If you cause a fire, you will be responsible for damage to the building, and the contents damaged in the other units.
Should we start an "The Insuranceguy Thread Where We Stop Ruining Other Threads" thread?