Homeowners Section II = Coverage E (Personal Liability) + Coverage F (Medical Payments to Others).

BI = harm to a person; PD = physical damage to someone else's tangible property.

Standard dwelling forms have no liability: add a personal liability supplement or endorsement.

Personal liability follows the insured's personal activities, at home or away.

Negligence is the core covered exposure; legal liability, not an admission of fault, triggers payment.

§533: no coverage for the insured's wilful act; negligence is still covered.

Business injuries are excluded from homeowners liability, even at the home.

Damage to an insured's own property is never a liability loss.

§11590: a CA comprehensive personal liability policy must cover workers' comp owed to residential employees.

It steps aside for other valid workers' comp, and does not apply to the insured's trade or business (§11591).

Medical payments to others = no-fault medical bills for other people.

Never pays the named insured or regular household residents (residence employees excepted).

Away from the insured location: covered when caused by an insured's activity or animal.

Must be registered for road use = auto policy exposure, excluded from homeowners.

Riding mower used to service the residence = usually covered.

Need more than auto limits? Umbrella, not homeowners.

Insured location is the broader term and includes the residence premises.

Vacant land an insured owns or rents counts, except farm land.

Watercraft endorsement = adds liability and medical payments for a boat the base policy excludes.

Damage to the boat itself is not covered: that needs a boat policy.