Personal liability insurance protects the named insured and family members against legal liability arising out of their personal acts. The insurer will provide a legal defense and pay those sums that an insured is legally obligated to pay up to the policy limit.1 With the major exceptions of legal liability arising out of the negligent operation of an automobile, and business and professional liability, most personal acts are covered.
The Section II coverages in the various homeowner forms designed by the Insurance Services Office (ISO) are identical. The ISO Homeowners 3 policy is provided in Appendix B at the end of this text. The following section discusses the major provisions in Section II.