Final answer:
The first independent policy that combined personal liability coverage with packaged property coverages was introduced in 1951.
Step-by-step explanation:
The first independent policy that combined personal liability coverage with packaged property coverages was introduced in the year 1951.
Before this, personal liability and property coverages were generally purchased separately. However, in 1951, an insurance company offered a comprehensive policy that provided both personal liability and packaged property coverages in a single policy.
This was a significant development in the insurance industry, as it simplified the process for individuals and provided comprehensive coverage for both personal liability and property.