Personal liability and medical coverages on a homeowners policy cover the insured's activities...

The correct choice highlights that personal liability and medical coverages within a homeowners policy extend protection both on the insured premises and off premises. This means that if an insured individual accidentally causes bodily injury or property damage to a third party, they are covered regardless of whether that incident occurs within their home or in other locations.

For example, if a homeowner has a gathering and a guest is injured due to an incident occurring in the yard, the liability coverage would apply. Similarly, if the insured were to accidentally damage someone else's property while away from home, that incident would also be covered under the personal liability section of the policy.

This comprehensive coverage is designed to protect homeowners from liability risks associated with their everyday activities, reflecting the understanding that many accidents can occur beyond one's property boundaries. Accordingly, recognizing this broad application of coverage helps insured individuals to ensure they are adequately protected in a variety of everyday scenarios.