What does liability insurance cover in a homeowner's insurance policy?

Liability insurance in a homeowner's insurance policy covers bodily injury that occurs on the property, providing financial protection for the homeowner in the event that someone is injured while visiting their home. This coverage typically includes legal fees and medical expenses associated with the injury, ensuring that the homeowner is not left to cover these costs out of pocket.

This protection is crucial, as it not only helps pay for medical bills but also can cover damages awarded in a lawsuit resulting from the injury. For example, if a guest slips and falls on a homeowner's wet floor, the liability insurance would help cover the associated costs, safeguarding the homeowner's financial assets.

In contrast, other types of coverage mentioned in the choices address different aspects of homeowner insurance. Structural damage pertains to the physical repairs needed for the home itself, while personal belongings coverage relates to items lost or damaged due to theft or disasters. Landscaping and outdoor structures focus on outdoor property and installations. While all play vital roles in a comprehensive homeowner's policy, they do not pertain to the specific function of liability insurance.