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

Homeowners policies typically include liability coverages that protect against claims of bodily injury and property damage that an insured may be legally responsible for. The correct answer highlights Coverage E and Coverage F, which are specifically designed to provide liability protection.

Coverage E, also known as Personal Liability Coverage, provides financial protection for the policyholder in the event they are found legally responsible for causing bodily injury or property damage to others. This coverage not only addresses legal defense costs but also covers the settlements or judgments arising from covered incidents, up to the limits of the policy.

Coverage F, referred to as Medical Payments to Others, offers coverage for medical expenses incurred by guests or visitors who sustain injuries on the insured property or due to the actions of the insured, regardless of fault. This can help cover hospital bills, medical treatment, and other necessary medical expenses without the need for the injured party to file a liability claim.

Understanding these coverages is essential because they form the cornerstone of liability protection within a homeowners policy, ensuring that homeowners have a safety net against common risks associated with property ownership.