The insured's mother-in-law broke her leg falling down the front steps of the insured's premises. The insured's homeowners medical payments coverage will?

Homeowners medical payments coverage is designed to provide prompt payment for medical expenses incurred due to injuries sustained by guests or visitors on the insured's property. This coverage is meant to cover small medical bills resulting from accidents, regardless of fault, to ensure that injured parties receive timely assistance.

In the scenario, the insured's mother-in-law was injured while visiting the insured’s home, which qualifies her as a visitor. Thus, the medical payments coverage would indeed apply to her injury, enabling her to receive payment for medical expenses related to the injury sustained on the premises.

The other options don't accurately represent how medical payments coverage functions. For example, while health insurance may also play a role in covering the costs, the decision to extend medical payments coverage is independent of the existence of personal health insurance. Additionally, the medical payments coverage does not apply to all injuries of guests indiscriminately, but specifically to incidents that occur on the insured's property. Therefore, the concept that the coverage applies to injuries of any guests or visitors is the crux of why it is the correct answer.