What does HO Liability Coverage E cover?

HO Liability Coverage E is designed to provide financial protection for the insured in the event that they are found legally liable for causing bodily injury or property damage to a third party. This coverage is a fundamental part of homeowners insurance policies, which typically focus on safeguarding the interests of the insured against claims made by others due to their actions or negligence.

This coverage typically includes legal defense costs arising from lawsuits filed against the insured, which can be significant. The intent is to help protect the insured from potential financial loss that could result from compensatory damages awarded in such cases. It ensures that the homeowner has a safety net in place in case someone is injured on their property or if they unintentionally cause damage to someone else's property.

The other options either misstate the coverage specifics or apply to different types of protections. For example, coverage for injury to the insured pertains to their own medical expenses, which falls under different sections of a homeowners insurance policy. Damage caused by anyone over the age of 13 typically does not fall under liability coverage as it applies to the actions of the insured themselves, not others. Lastly, expenses incurred by third parties on the insured's premises would usually relate to different types of liability or coverage that are not specified under HO Liability Coverage E.