Chik is injured in an accident caused by Dylan's negligence. Chik files a claim to recover for the injury under Dylan's homeowners' policy. Liability coverage under this policy normally applies to liability that arises from

Question

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Homeowners' insurance policies typically cover liability for accidents that occur on the insured's property or as a result of the insured's personal activities, but they generally exclude liability arising from business or professional activities, the operation of a motor vehicle, and intentional misconduct.

Chik Is Injured in an Accident Caused by Dylan's Negligence