The liability coverage of the HO policy commits the insurer to defend lawsuits brought against the homeowner, even if the lawsuits are frivolous and groundless.

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The liability coverage of the HO policy includes a duty to defend the insured against lawsuits, even if the claims are groundless or fraudulent. This is known as the insurer's duty to defend, and it is an important component of the liability coverage. The insurer is obligated to provide legal representation and pay for the costs associated with defending the insured in court, regardless of the merits of the case.

The Liability Coverage of the HO Policy Commits the Insurer