Which two types of coverage under a homeowners policy are considered goodwill coverage?

Goodwill coverage in a homeowners policy refers to provisions that promote goodwill or cover small damages or medical expenses incurred without a determination of fault. In this context, the correct coverage types are Medical Payments to Others and Damage to Property of Others.

Medical Payments to Others provides coverage for medical expenses incurred by someone who is injured on the insured property, regardless of fault. This means that an injured party can have their medical bills covered without needing to establish who is responsible for the accident. The intent is to ensure that minor injuries are addressed promptly, fostering good relations with neighbors and guests.

Damage to Property of Others covers the cost to repair or replace someone else's property that is damaged by the insured, again without needing to establish fault. This is designed to settle small incidents that might otherwise lead to disputes between neighbors, reinforcing good community relationships.

These two coverages align closely with the concept of goodwill since they allow homeowners to address potential claims without the involvement of lengthy liability discussions, promoting neighborly relations.