Which of the following is NOT a type of property damage liability?

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Study for the Texas Personal Lines Insurance Test. Prepare with multiple choice questions, flashcards, and detailed explanations. Ensure you're ready for your exam!

Property damage liability refers to insurance coverage that protects an insured party when they are found responsible for damaging someone else's property. This type of liability exists to cover the costs associated with repairs or replacement of the damaged property, as well as any legal fees that may arise from a lawsuit related to the incident.

The correct answer is C, as this option pertains to damage sustained by the insured's own property, which does not fall under property damage liability. Instead, the insured would typically rely on their own property insurance to cover these costs, not liability insurance meant for damages inflicted on others.

Options like collision damage, damage to another person’s property, and third-party damages all relate to property damage liability. Collision damage often describes the context of automobile insurance, which directly addresses scenarios where a policyholder's vehicle is involved in an accident that damages another's property. Similarly, damage to the other person’s property and third-party damages explicitly reference the liability aspect, as these terms are designed to reflect obligations to compensate others for damages caused by the insured. In contrast, option C directly deals with the insured’s own losses, which is outside the purview of liability coverage.

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