Which of the following is usually NOT covered by personal liability insurance?

Personal liability insurance is designed to protect the insured against claims of bodily injury and property damage resulting from their negligent actions. It typically covers accidents and unintentional harm that occurs under various circumstances, such as injuries from dog bites or accidental damage to someone's property.

Intentional harm, however, is generally excluded from personal liability coverage. This is because insurance is meant to safeguard against unforeseen accidents rather than actions that are deliberate and willful. If an individual inflicts intentional harm on someone else, that individual is responsible for their actions and cannot seek coverage from an insurance policy to protect against those consequences. This distinction is crucial in understanding the limitations and exclusions that apply to personal liability policies.