Which term describes the injury covered when a neighbor's child drowns in your pool?

Liability loss accurately describes the situation where a neighbor's child drowns in your pool. This term refers to the financial obligations that arise when you, as a homeowner, are held legally responsible for injuries to another person due to negligence or lack of care regarding your property or activities. In this scenario, if the tragedy occurs due to inadequate safety measures around your pool or failure to supervise, you could be held liable for the resulting injuries or death.

Liability coverage in homeowners' insurance typically includes protection against claims made by third parties for bodily injury or property damage. In this case, the drowning represents a severe bodily injury, triggering liability coverage to address any claims or lawsuits resulting from the incident.

The other terms do not fit this context as closely. Property damage typically applies to damage of tangible items owned by someone else, while medical payments can refer to covering immediate medical expenses regardless of fault, which may not encompass liability instead. Personal injury generally involves non-physical harm like defamation or emotional distress, which does not pertain to the drowning incident. Therefore, liability loss is the relevant term that covers your potential responsibility in this tragic situation.