SECTION II — Your Liability Coverages - - Coverage F
If a claim is made or a suit is brought against you for damages because of bodily injury or property damage caused by an accident on your premises, we will:
1. Pay up to the Limit of Liability shown on the Declarations Page for the damages for which you are legally liable; and
2. Provide a defense at our expense by attorneys of our choice.
We may make any investigations and settle any claims or suits that we decide appropriate. Our obligation to defend any claim or suit ends when the amount we pay in settlement or judgment equals the Limit of Liability. Coverage F — Premises Liability applies to bodily injury and property damage only if the bodily injury or property damage occurs on your premises and during the Policy Period shown on the Declarations Page.
By Endorsement, you can buy Personal Injury Liability
protection. This is very important coverage for every Landlord/owner who has a vacation rental property. It's different coverage then Premises Liability.