Which policy generally covers liability for injuries occurring on someone else's property?

The policy that generally covers liability for injuries occurring on someone else's property is the HO-3 policy. This type of homeowners insurance is the most commonly used and provides broad coverage for personal liability. It protects policyholders against legal claims for bodily injury or property damage that occur on the property of others when the policyholder is found to be at fault.

In addition to liability protection, the HO-3 policy provides coverage for the policyholder's own home and personal property against various risks, making it a comprehensive option for homeowners. This extensive coverage is a primary reason why many homeowners choose the HO-3 policy, as it aligns well with the typical concerns related to personal liability.

The other policy types have different scopes and are designed for specific situations. For example, the HO-1 policy offers very limited coverage and mainly provides basic protection for the dwelling without the extensive liability features. The HO-2 policy enhances this by covering more types of perils, but it still does not provide the comprehensive liability coverage of the HO-3. The HO-4 policy, also known as renters insurance, primarily protects personal property for renters rather than covering liability for injuries on others' property, making it less applicable in this context.