Endorsements & LiabilityQuestion 94 of 158
Coverage E personal liability on a homeowners policy responds to which of the following?
a.Only liability arising out of the insured's employment
b.Bodily injury or property damage for which the insured is legally liable, on or off the premises, including suit defense in addition to limits
c.Only injuries that occur on the residence premises
d.Only property damage caused intentionally by the insured
Explanation
Coverage E pays sums the insured is legally obligated to pay because of bodily injury or property damage caused by an occurrence. It applies on or off the residence premises (with some exclusions) and provides defense costs in ADDITION to the policy limit. Intentional acts are excluded, and business or auto liability is excluded (covered elsewhere).
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