Personal Risk Management

When does personal liability coverage under the homeowners apply?
Explain what an occurrence means in relation to the homeowners liability.
Explain who is an insured for purposes of the liability coverage under the homeowners.
Mr. Smith has a homeowners policy with XYZ Insurance. Mr. Smith falls down the steps in his residence which results in a broken leg. Will the medical payments to others portion of his policy provide any coverage for the bills he incurred? Why or why not?
List 3 of the exclusions to liability coverage under the homeowners.