Other Than Life (OTL) Practice Exam

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

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

2. The insured miss-hits a golf ball and injures someone

3. The insured picks up a hot pot from the stove and scalds herself

4. The insured lights a bonfire that burns a neighbor's fence

The correct answer is: The insured picks up a hot pot from the stove and scalds herself

The liability section of a Homeowner's policy is designed to protect the insured from claims made by others for bodily injury or property damage resulting from the insured's actions or negligence. In the scenario where the insured trips on a loose rug and breaks a leg, this incident involves a visitor who could file a liability claim against the insured. Similarly, when the insured injures someone while playing golf, it falls under liability if the incident is due to negligence. Additionally, lighting a bonfire that damages a neighbor’s property is also a liability concern as it pertains to property damage caused by the insured to another person's property. On the other hand, when the insured picks up a hot pot from the stove and accidentally scalds herself, this does not involve a claim against the insured by another party. Instead, it represents a personal injury that the insured cannot claim against someone else; thus, it does not fall under the liability coverage that protects the insured from claims by third parties. This distinction is crucial as liability coverage solely applies to harms inflicted upon others rather than self-inflicted injuries.