Matt has a homeowner's policy. He is cleaning out the gutters on his house and he takes a break to go into his house and eat lunch. He leaves the ladder standing against the house. A neighbor's child, age $7,$ climbs the ladder and is seriously injured when the ladder collapses. Matt is sued by the child's parents. Matt's homeowners' policy will

not pay since the child assumed the risk by climbing the ladder

will pay medical payments but not pay liability coverage due to contributory negligence

refuse to pay, since the child was a trespassing and Matt only owed a duty to avoid intentional harm

defend Matt and pay a judgment up to the policy limits if Matt is found liable for negligence