Final answer:
In the described scenario involving a party accident, Personal liability coverage of a renter's insurance policy is the most relevant because it could protect the client from legal action due to the friend's injury. Option B is correct answer.
Step-by-step explanation:
When evaluating the effects of a renter's insurance in the scenario where a guest has an accident during a party, it's crucial to understand the different coverages offered by such insurance policies. The relevant insurance features to consider include:
- Content coverage: This aspect of renter's insurance might be applicable as it can be used to replace the client's broken cell phone.
- Personal liability coverage: This is the most relevant feature in this case as it can protect the client against legal action taken by the friend for injuries sustained from the fall.
- Loss of use coverage: This coverage could pay for a hotel room if the rented property becomes uninhabitable. However, it does not apply in this incident since there's no indication that the property is unlivable due to the accident.
- Incidental business liability coverage: It concerns liabilities related to business activities, which do not relate to this personal accident.
In summary, out of the options provided, Personal liability coverage is the most relevant to this incident, as it could protect the client from potential legal action taken by the injured friend, while content coverage could replace the broken cell phone.
So the correct option is B- Personal liability coverage could protect the client from related legal action.