What are the two liability coverages included in Homeowners policy forms?

• A. Coverage E and Coverage F
• B. Coverage A and Coverage B
• C. Coverage C and Coverage D
• D. Coverage G and Coverage H

Answer: (A)

Liability protection in homeowners policy forms comes from two coverages: Personal Liability and Medical Payments to Others. Personal Liability helps pay for damages for which the insured is legally responsible to others for bodily injury or property damage and includes defense costs if a claim or lawsuit arises. Medical Payments to Others covers medical expenses for people injured on the insured’s property or caused by the insured’s activities, regardless of fault, up to the policy limit. The other coverages focus on the insured’s own property and losses, not third-party liability. So the two liability coverages are Personal Liability and Medical Payments to Others.