Scenario 1: You have some friends and your partner's new coworkers over for a get-together at your house. One of your partner's coworkers drinks a little too much and stumbles, knocking one of your guests to the floor. When she falls, her brand-new glasses are broken and she needs a few stitches on the side of her face. After everyone leaves, your partner asks who is financially responsible for your friend's glasses and injury. What would you say about your homeowner insurance policy and coverages?

Scenario 2: During your earlier discussion about property insurance policies, your partner asks about specific situations relating to other kinds of property and liability insurance. How would you describe other different types of property and liability insurance policies and coverages?