Which type of insurance provides coverage for liabilities a homeowner may incur?

Liability insurance is specifically designed to cover legal liabilities that an individual may incur as a result of bodily injury or property damage to others. In the context of homeowners, liability insurance protects homeowners when someone is injured on their property or if they accidentally cause damage to someone else’s property. This type of coverage typically includes legal defense costs and any settlements or judgments resulting from lawsuits related to such incidents.

While homeowners insurance may include liability coverage as part of a broader package, selecting liability insurance directly emphasizes the specific protection against liabilities that a homeowner may face, which is the primary function of that type of insurance. The other types of insurance listed—health insurance, homeowners insurance, and auto insurance—serve distinct purposes that do not focus specifically on covering the liabilities associated with homeownership.