A neighbor slips on ice on an insured's driveway and sues. Under the homeowners policy, which section and coverage responds to this lawsuit?

Why this is the answer

Homeowners policies are divided into two sections: Section I (Property) covers direct property losses — Coverage A (dwelling), Coverage B (other structures), Coverage C (personal property), and Coverage D (loss of use). Section II (Liability) covers the insured's legal liability to third parties — Coverage E (Personal Liability) pays defense costs and damages when a third party sues; Coverage F (Medical Payments to Others) pays the medical bills of guests injured on the premises without requiring a lawsuit or proof of fault. The neighbor's lawsuit for slip-and-fall invokes Coverage E, not Coverage F (which is no-fault but limited to medical bills, not legal judgments).