Does Section 2 of a homeowners policy cover damage to property of the insured?

Does Section 2 of a homeowners policy cover damage to property of the insured?

• A. Yes
• B. No
• C. Only personal property
• D. Only when outside the home

Answer: (B)

In a homeowners policy, Section 2 specifically addresses personal liability and related coverage. This section is designed to protect the insured against claims made by others for bodily injury or property damage for which they may be legally responsible. However, it does not provide coverage for damage to the insured's own property. Therefore, the answer is correct because Section 2 excludes coverage for personal property owned by the insured. This is a critical aspect of homeowners insurance, as it outlines responsibilities toward third parties rather than offering protection for the insured's own possessions. For coverage related to the insured's own property, Section 1 of the homeowners policy is the relevant section, which typically covers personal property as well as the structure of the home itself.

In a homeowners policy, Section 2 specifically addresses personal liability and related coverage. This section is designed to protect the insured against claims made by others for bodily injury or property damage for which they may be legally responsible. However, it does not provide coverage for damage to the insured's own property.

Therefore, the answer is correct because Section 2 excludes coverage for personal property owned by the insured. This is a critical aspect of homeowners insurance, as it outlines responsibilities toward third parties rather than offering protection for the insured's own possessions. For coverage related to the insured's own property, Section 1 of the homeowners policy is the relevant section, which typically covers personal property as well as the structure of the home itself.