Which of the following policies would cover medical expenses incurred due to injury on the insured’s property?

The homeowner's policy known as the HO-3 is designed to provide comprehensive coverage for a variety of perils, including liability protection for injuries that occur on the insured's property. This policy will typically cover medical expenses for visitors who may get injured on the homeowner's premises, regardless of whether the homeowner is found to be at fault. This feature is essential as it helps to ensure guests receive medical attention without the need for a liability claim, promoting goodwill and providing peace of mind for the homeowner.

For context, the HO-4 policy, often known as renters insurance, does not cover the physical structure of a home and primarily protects personal belongings and liability for renters. The DP-1 policy refers to a dwelling policy that is usually more basic and does not include coverage for medical expenses incurred by others. Finally, the Commercial General Liability (CGL) policy is geared toward businesses and covers injuries and damages related to business operations, rather than personal residence coverage. Therefore, the HO-3 policy is the most suitable option for covering medical expenses due to injuries on the insured's property.