In a homeowners policy, what is defined as an accident resulting in bodily injury or property damage?

In a homeowners policy, the term that best defines an accident resulting in bodily injury or property damage is "occurrence." This term encompasses events that lead to unintended harm, and is crucial in determining the coverage provided under the policy. "Occurrence" is a broad concept that captures various types of accidents or incidents that may happen during the policy period, making it essential for the liability aspect of homeowners insurance.

Bodily injury refers specifically to physical injury to a person, while property damage pertains to the physical damage of someone else's property. Both of these can be included under the umbrella of an occurrence, but they do not fully capture the broader implication of an event leading to those damages.

Comprehensive personal liability typically refers to a type of coverage that would protect homeowners from certain types of liability claims but is more specific and does not encapsulate the general definition of an incident or accident as "occurrence" does. Thus, in the context of a homeowners policy, "occurrence" is the term that best signifies the accidental nature of events leading to claims for bodily injury or property damage.