Which of the following policies would likely cover personal liability?

The HO-3 policy is a form of homeowners insurance that provides comprehensive coverage for personal liability. This type of policy not only covers the dwelling itself and the belongings inside but also offers protection against legal liability for injuries or damages that occur on the insured property or as a result of the insured's actions.

Personal liability coverage included in the HO-3 policy extends to various situations, such as someone getting injured while visiting the home or damage to someone else's property. This makes it a crucial component for homeowners who want to protect themselves financially against potential lawsuits or claims.

The other policy types mentioned, like the HO-1, HO-4, and HO-5, have different scopes of coverage. For instance, the HO-1 is a basic form that offers very limited coverage and typically does not include liability. The HO-4 is designed for renters and primarily covers personal property without offering liability insurance for the dwelling itself. The HO-5 is a more comprehensive form like the HO-3 but is usually broader in property protection rather than liability coverage, although it may include some level of liability. Therefore, the HO-3 remains the standard for adequate personal liability protection in homeowners insurance.