Which of the following would NOT be covered under Section II of Medical Payment to Others?

Medical Payments to Others is a section in homeowners' insurance policies that provides coverage for medical expenses incurred by guests who are injured on the insured's property, regardless of fault. This coverage is generally meant for injuries to people rather than property or pets.

The correct option indicates that pets are not covered under this section. This is accurate because Medical Payments to Others specifically applies to people and does not extend to animals. Agreed upon by most homeowners' insurance policies, injuries to pets do not qualify for medical payments under this provision; rather, they are typically governed by other sections of a policy that cover personal property or liability.

In contrast, the other scenarios provided involve human guests or visitors who can be considered under this section. A person injured on the insured's property with permission, a family member not living on the property, and someone who trips over a water hose all fall under the definition of guests or visitors and would thus be eligible for medical payment coverage. This delineation is essential in understanding the limitations of the Medical Payments to Others section in a homeowners' insurance policy.