Does liability coverage protect the insured when they are away from their home?

Liability coverage under a homeowners policy is designed to protect the insured from legal responsibilities arising from bodily injury or property damage they may cause to others. This coverage typically extends beyond the confines of the home itself, providing global protection.

For example, if the insured accidentally causes harm to another person while on vacation or in a different country, the liability coverage would still apply. This broad scope is essential for ensuring that individuals are protected in various situations, not just those that occur at their residence. Thus, saying that liability coverage protects globally accurately reflects the intent of homeowners policies to offer comprehensive liability protection.

The other options fall short of capturing the full extent of liability coverage, leading to misunderstandings regarding when and where the insured is protected.