Under a mobile home policy, coverage for personal liability applies to which of the following situations?

The coverage for personal liability under a mobile home policy specifically addresses situations where an insured could be held legally liable for causing bodily injury or property damage to others. The correct choice should directly relate to these liability scenarios.

In this context, personal liability typically applies to matters such as accidental injuries to visitors or damage caused to others by the insured's actions. Personal liability coverage is designed to protect the insured against claims arising from these types of incidents.

When examining the selected choice regarding watercraft owned by an insured and rented to others, this option does not align with the core functions of standard personal liability protections in mobile home policies, which focus primarily on interpersonal incidents rather than the liability issues arising from property rented out to others, such as watercraft.

The choice that involves injury to a visitor correctly illustrates a situation where personal liability coverage would be applicable. This scenario embodies the essence of liability insurance, as it addresses potential legal claims arising from injuries sustained by others on the insured's property, which is a fundamental aspect of personal liability coverage.