Under homeowners insurance, which coverage typically protects against personal liability for injuries occurring on the insured's property?

The correct choice for the coverage that protects against personal liability for injuries occurring on the insured's property is Coverage A. In a typical homeowners insurance policy, Coverage A primarily concerns the structure of the home and its property, while liability coverage is usually addressed under a separate section known as personal liability coverage or Coverage E.

Understanding the different coverages is key. Coverage A specifically pertains to the dwelling itself. It includes the home's physical structure, but it does not directly cover personal liability. When it comes to liability for injuries or damages to others (such as a visitor getting hurt on the property), that coverage is typically found under Coverage E in a homeowners policy.

The other coverages mentioned can be summarized as follows: Coverage B generally relates to other structures on the property, such as garages or sheds; Coverage C covers personal property inside the home; and Coverage D addresses loss of use, providing benefits if the insured cannot live in their home due to a covered loss. However, the question specifically asks about personal liability, which falls outside the purview of Coverage A and into the realm of coverage designed specifically for liability protections.