A homeowner's policy provides liability coverage up to $500 for all of the following scenarios except:

Homeowner's policies typically include liability coverage to protect the insured from financial loss resulting from legal claims or lawsuits due to injuries or damages caused by the insured or their property. This coverage commonly extends to accidental injuries occurring on the insured property, associated legal defense costs, and damage caused to neighboring property.

The dishonesty of an insured, however, is explicitly excluded from liability coverage in homeowner's policies. This is because insurance providers do not cover intentional acts of wrongdoing. Such actions imply a lack of good faith and a commitment to wrongdoing, which goes against the principles of insurance protection. Given this understanding, dishonesty does not fall under the scenarios for which liability coverage would be provided, thus making it the exception in this case.