Question

Which of the following would be covered under section #2 of a homeowners policy?

1) property damage
2) professional liability
3) the insured's son trips over a sprinkler and breaks his leg
4) a neighbor's child trips over a sprinkler and breaks his leg

Answer 1

Under section #2 of a standard homeowners policy, coverage is typically for personal liability and medical payments to others, therefore, a neighbor's child tripping over a sprinkler and breaking their leg would likely be covered.

Step-by-step explanation:

The specific coverage provided by a homeowner's policy can vary, but generally, under section #2 of a standard homeowners policy, the coverage is for personal liability and medical payments to others. In the scenario you mentioned, option 4 where a neighbor's child trips over a sprinkler and breaks his leg would be covered. This is because this section typically includes liability for bodily injury or property damage inflicted on others by the policyholder or members of their household. It also often covers the medical expenses of someone injured on the policyholder's property regardless of fault.

However, property damage mentioned in option 1 is commonly covered in the first section of the policy. Professional liability (option 2) falls under a completely different type of insurance and the scenario in which the insured's son trips over a sprinkler and breaks his leg (option 3) would typically be covered under the medical payments or personal injury protection part of the policyholder's health insurance instead.