Which is not an example of bodily injury under homeowners policies?

• A. Betsy is stressed out by the costs of maintaining her older home.
• B. Physical injury to a person from a fall.
• C. Medical expenses to others.
• D. A sprained ankle from a fall.

Answer: (A)

Bodily injury means physical harm to the body—injury, sickness, or disease. Emotional distress or stress alone isn’t considered bodily injury unless it’s tied to a physical injury. Betsy’s situation describes emotional stress about costs, not physical harm, so it doesn’t fit the definition. The other options involve actual physical harm from a fall or costs that stem from injuries, which align with bodily injury concepts. So Betsy’s emotional stress is the scenario that isn’t bodily injury.