Question

Which of the following is not covered under the liability section of a Homeowner's policy?

a) A visitor to the insured's house trips on a loose rug and breaks his leg

b)The insured miss-hits a golf ball and injures someone

c)The insured picks up a hot pot from the stove, badly scalding herself; as a result, time is lost from work

d)The insured lights a bonfire in his garden. The fire gets out of control and burns a neighbor's fence

Answer 1

The scenario not covered under the liability section of a Homeowner's policy is the insured scalding herself and losing time from work, as liability insurance does not cover the policyholder's personal injuries or lost income.

Step-by-step explanation:

The question asks which scenario is not covered under the liability section of a Homeowner's policy. The options include injuries to visitors, accidents caused while engaging in activities like golf, personal injuries to the homeowner, and damage caused to a neighbor's property.

Liability coverage typically protects against the financial consequences of the policyholder's actions that result in injury or damage to others. However, it does not cover the policyholder's personal injuries or lost income. Therefore, the answer is c) The insured picks up a hot pot from the stove, badly scalding herself; as a result, time is lost from work. This situation deals with the policyholder's injuries and lost wages, which are not covered under the liability provisions; they would potentially be covered under medical payments or personal injury protection, depending on the specifics of the insurance policy.