Which type of insurance policy typically includes coverage for premises liability issues?

Homeowners insurance is designed to provide various types of protection for homeowners, including coverage for premises liability. This means that if someone is injured on your property, homeowners insurance can help cover legal expenses and medical costs associated with that injury. The premise liability coverage in a homeowners policy protects the insured against claims arising from incidents that occur on their property, such as slip and fall accidents.

In contrast, health insurance focuses on covering medical expenses for the policyholder's health care needs, but it does not provide liability coverage for injuries that occur on someone’s premises. Auto insurance specifically protects vehicles and drivers against damages and liability related to auto accidents. Life insurance provides a death benefit to beneficiaries upon the policyholder’s passing, and does not encompass liability issues at all. Therefore, homeowners insurance is the most relevant type of policy for premises liability coverage.