While towing a utility trailer, if the trailer comes loose and damages a storefront, which part of the insured's policy covers the damage?

The damage caused to the storefront due to the utility trailer becoming loose while being towed is covered under property damage liability. This type of coverage specifically addresses damages that an insured person may cause to someone else's property as a result of an accident. In this scenario, when the trailer detaches and causes damage to the storefront, the property damage liability component of the insurance policy comes into play, as it is designed to cover such incidents of damage to third-party property.

Bodily injury liability covers medical expenses and pain and suffering for injuries caused to other individuals, which is not applicable here since the situation involves property damage rather than injuries to persons. Collision coverage would typically take care of damages to the insured's own vehicle or trailer in the event of a collision, but does not address damages inflicted on third-party properties. Comprehensive coverage generally covers non-collision-related incidents like theft or natural disasters, and is also not relevant in this context of property damage caused by an accident while towing.