Under a homeowners policy, which of the following is NOT covered by personal injury coverage?

Personal injury coverage under a homeowners policy is designed to protect the insured from certain types of legal claims that can arise from non-physical injuries, including claims such as defamation, invasion of privacy, and loss of income due to false allegations. These types of claims typically pertain to harm resulting from a person's reputational injury rather than physical harm.

Medical expenses of the insured do not fall under personal injury coverage, as this coverage specifically does not address the costs incurred for medical treatments or healthcare associated with physical injuries sustained by the insured. Instead, medical expenses are typically covered under a different section of the homeowners policy, such as personal liability coverage or medical payments coverage, which addresses physical injuries to others as well as the insured in certain circumstances. Thus, the fact that medical expenses of the insured are separate from personal injury claims is what makes this answer correct.