Which of the following is an example of Personal Lines insurance?

• A. Business Insurance
• B. Workers’ Compensation Insurance
• C. Homeowners Policy
• D. Commercial General Liability

Answer: (C)

Personal lines insurance refers to the category of insurance that covers individuals and their personal property. A homeowners policy is a prime example of personal lines insurance as it provides coverage for personal dwellings, helping protect property owners from losses due to events like fire, theft, or certain types of liability claims.

Homeowners insurance is designed for private individuals to safeguard their home and belongings, which is the hallmark of personal lines. This type of insurance also often includes liability protection in case someone is injured on the property.

The other options represent forms of insurance that primarily cater to businesses and employees rather than individuals. Business insurance protects various types of business properties and risks. Workers’ compensation insurance covers medical expenses and lost wages for employees injured on the job, which is not personal insurance. Commercial general liability addresses businesses’ legal liability for injuries or damages they may cause to others, further highlighting its focus on business rather than personal needs.