Which coverage in a homeowners policy would cover personal injuries caused to guests?

Liability coverage in a homeowners policy is designed to protect the policyholder against claims made by others for bodily injury or property damage resulting from the policyholder's actions or negligence. This coverage specifically addresses personal injuries sustained by guests while on the insured's property or injuries that occur as a result of the policyholder's activities.

When a guest suffers an injury, liability coverage comes into play by covering medical expenses, legal fees, and any damages awarded in a lawsuit if the insured is found liable. This protection is crucial for homeowners, as accidents can happen, and having liability coverage helps safeguard against the financial burden that could arise from such incidents.

Other options, while important components of a homeowners policy, serve different purposes. Dwelling coverage protects the physical structure of the home, personal property coverage pertains to the insured's personal belongings, and medical payments coverage is typically a smaller component that helps cover medical expenses for minor injuries of guests without needing to establish liability. Thus, the comprehensive protection offered by liability coverage makes it the appropriate choice for addressing personal injuries caused to guests.