Which of the following is an example of liability coverage under homeowners insurance?

Liability coverage under homeowners insurance is designed to protect the policyholder from financial responsibility if they are found legally liable for injuring someone or causing damage to someone else's property. Therefore, injury to a guest falls under this category, as it addresses situations where a guest may sustain physical harm while on the insured's property. This type of coverage helps pay for medical expenses, legal fees, and any settlements or judgments that might arise from such incidents.

The other options mentioned do not pertain to liability coverage. Damage to personal property is typically covered under personal property protection within a homeowners policy, rather than liability. Theft of covered property also relates to the protection of personal belongings rather than liability concerns. Fire damage to the structure pertains to dwelling coverage, which insures the physical structure of the home itself and the loss resulting from direct damage rather than incidents involving liability.