Robert boards his dog at a kennel while he is on vacation. While at the kennel, the dog bites a meter reader. How would Robert's HO-3 policy respond to the meter reader's request for repayment of his emergency room costs?

The insurer will pay for necessary emergency room expenses under the Medical Payments to Others provision.

The insurer will pay for the emergency room fees only if Robert is found negligent in leaving his dog at the kennel.

The insurer will not pay for the loss because the injuries occurred away from the insured location.

The insurer will not pay for the loss because it arose out of the kennel owner's failure to render professional services.

Answer: The insurer will pay for necessary emergency room expenses under the Medical Payments to Others provision.