Which type of coverage addresses property damage caused by the insured?

Personal Liability coverage is designed specifically to protect the insured against claims arising from injuries or property damage for which they are legally responsible. This type of insurance is crucial as it covers the costs of legal defense and any settlements or judgments that may arise from a claim. Essentially, if the insured accidentally causes damage to someone else's property, Personal Liability insurance would provide financial coverage for those costs, allowing the insured to handle the claim without incurring significant out-of-pocket expenses.

In the context of the other options, Voluntary Medical Payments focuses on medical costs for injuries without regard to fault, which does not address property damage at all. Legal Liability for Residence Employees pertains to liability arising from employment practices and injuries to domestic workers, which is a more specialized coverage. Products Liability deals with issues related to injuries or damages caused by defective products, not general property damage caused by the insured. Therefore, Personal Liability is the appropriate coverage for addressing property damage caused by the insured.