Which of the following is NOT included in the liability coverages on Section II of the IBC Homeowners forms?

The option related to accidental damage coverage is not included in the liability coverages on Section II of the IBC Homeowners forms. Section II primarily focuses on personal legal liability and related aspects. Personal legal liability provides protection against claims from bodily injury or property damage that the insured may be legally obligated to pay.

Voluntary medical payments cover medical expenses for injuries to others, regardless of fault, which reflects the insurer's concern for goodwill and social responsibility. Similarly, voluntary payments for damages to property are included to provide support for property damage claims without the necessity of liability being determined.

In contrast, accidental damage coverage is typically associated with property coverage rather than liability. This type of coverage is more aligned with protecting against unexpected damage to the insured's own property rather than addressing third-party liabilities. Thus, the understanding of what constitutes liability coverage differentiates between the aspects of personal injury or property damage to others and the protection of one’s own property.