In a homeowners policy, which two coverages are included under liability insurance?

The correct answer pertains to the specific components of liability insurance within a homeowners policy. Coverage E, known as Personal Liability, provides protection against legal liabilities for bodily injury or property damage caused to others. This is critical for scenarios where the policyholder may be held responsible for injuries sustained by guests or damages inflicted on their property.

Coverage F, or Medical Payments to Others, complements this by covering medical expenses for injuries to guests regardless of who is at fault. This coverage is designed to ensure that individuals who are injured on the insured's property receive timely medical attention without the need to establish fault through a liability claim.

Combining these two coverages provides a robust liability framework within homeowners insurance, ensuring that both legal fees and medical costs associated with liabilities are addressed. The integration of these coverages underscores the policy's protective intent concerning the homeowner’s potential legal obligations.

On the other hand, the other choices include coverages that do not fall under liability insurance. For example, Coverage A focuses on the dwelling and Coverage B on other structures, which relate to property insurance rather than liability. Coverage C pertains to personal property, while Coverage D discusses loss of use, both of which address the insured’s own property interests rather than liabilities to others. Lastly, Coverage G refers