Which homeowners policy forms automatically include liability coverage?

The correct choice indicates that liability coverage is included automatically in homeowners policies. Homeowners policies such as HO-2, HO-3, and HO-5 inherently provide personal liability coverage as part of the policy. This coverage protects the insured against claims resulting from bodily injury or property damage to others due to the insured's negligence, which is a crucial aspect of financial security for homeowners.

While endorsements can modify coverage, the standard forms—especially HO-2 and HO-3—are designed to automatically include liability protection as a fundamental benefit of the homeowners insurance package. Therefore, it’s accurate to conclude that liability coverage comes standard with these homeowners' policies. This inclusion is significant for homeowners, ensuring that they have immediate coverage without needing to purchase additional endorsements.

Understanding that HO-4 is a renters policy, which also includes liability coverage, demonstrates that liability is a common feature across various forms of homeowners’ insurance. However, the emphasis on the automatic inclusion in the homeowners policies further clarifies that this protection is not contingent on additional actions or endorsements, making it a foundational element of these types of insurance.