Which of the following is typically covered under personal liability insurance?

Personal liability insurance is designed to protect individuals from financial loss arising from claims of negligence that causes injury or property damage to others. This type of insurance is commonly included in homeowners or renters insurance policies. When someone is held legally responsible for unintentional acts that lead to harm—such as accidentally injuring a guest in their home or causing damage to someone else's property—this coverage would typically apply.

Negligence is a legal concept that refers to a failure to exercise the care that a reasonably prudent person would under similar circumstances, leading to someone's injury or loss. Therefore, instances of negligence resulting in injury are a primary focus of personal liability insurance.

Other options, such as intentional acts, contractual obligations, and auto accidents, fall outside the standard coverage of personal liability policies. Intentional acts are not covered because they involve willful misconduct. Contractual obligations are also outside the realm of personal liability insurance, as this type of insurance does not cover claims arising from breaches of contract. Lastly, auto accidents are typically addressed by automobile insurance rather than personal liability policies, as auto coverage includes specific provisions tailored to vehicle-related incidents.