What types of incidents might be covered under personal liability insurance?

Personal liability insurance is designed to protect individuals from claims resulting from injuries and damages to other people or their property that occur due to the policyholder's negligent actions. This type of coverage applies when a policyholder accidentally causes harm to another person or unintentionally damages someone else’s property, thereby resulting in legal liability.

Unintentional injury to others can include instances such as someone getting injured while visiting your home due to a slip and fall accident, or if your dog bites a guest. Similarly, unintentional damage to property could encompass situations where a person accidentally breaks a neighbor's window while playing sports or damages someone's car while driving.

This is why the correct answer encompasses both unintentional injuries and property damage; the essence of personal liability coverage is to protect against allegations of negligence. Other answers do not fit within the framework of personal liability insurance because they involve intentional acts, professional services, or are not typically covered by standard personal liability policies.