In homeowners insurance, which section primarily addresses personal liability?

In homeowners insurance, the section that primarily addresses personal liability is Section 2. This section is specifically designed to cover the policyholder's personal liability for injuries to other people or damage to their property. It provides financial protection in the event that someone sues the homeowner due to an incident that occurred on the homeowner's property or as a result of the homeowner's actions. This coverage typically includes medical payments for injured individuals, legal costs for defending against lawsuits, and payments for damages awarded in a lawsuit.

Section 1 of a homeowners insurance policy generally deals with property coverage, which includes the dwelling and personal property protection against risks like fire, theft, and vandalism. Sections 3 and 4, if present, would not typically address personal liability, as they might pertain to additional coverages or endorsements that enhance or supplement the main coverages found in Section 1 and Section 2. Thus, Section 2 is specifically tailored to handle personal liability matters, making it the correct answer.