Which incident would not be covered by Emily's homeowners policy liability coverage?

• A. Emily posted disparaging comments about Margaret on social media and was sued for libel and slander.
• B. A small kitchen fire caused by a short circuit stays contained within the kitchen.
• C. Emily's dog bites a pedestrian and injures them.
• D. A fall on wet flooring at Emily's home, causing injury to herself.

Answer: (A)

Defamation claims are not covered by homeowners liability. Liability protection is meant to pay for damages you’re legally responsible for that involve physical injury or property damage to others (and certain narrowly defined personal injuries), but it does not cover intentional or non-physical harms like libel or slander. Emily’s social media posts accusing someone of wrongdoing are a defamation claim, which falls outside the standard liability coverage. The other scenarios involve incidents that, if they result in third‑party injury or property damage, fall within the types of losses liability is designed to address, or involve injuries to Emily that liability does not cover. So the defamation case is the one not covered.