In the context of comprehensive personal liability, which losses are covered in hotel rooms during out of town competitions?

When considering comprehensive personal liability, particularly in the context of hotel accommodations during out-of-town competitions, it's important to understand the types of losses typically covered. Accidental damage caused by fire, explosion, smoke, and water escape falls under the realm of covered incidents since these situations are typically unforeseen and do not arise from intentional actions.

This coverage is significant because it protects the insured from the financial burden associated with unexpected events that could lead to property damage while staying in a hotel. For instance, if a hotel room suffers damage due to an accidental fire or water escape, the liability insurance would generally cover the costs incurred as long as the damage is not due to deliberate actions.

The other choices present scenarios that are not typically covered under comprehensive personal liability. Theft and vandalism may not be covered if the policy does not include personal property coverage. Damage from intentional acts is often explicitly excluded since policies generally do not protect against liabilities arising from willful misconduct. Finally, property that is not owned by the insured would typically require additional coverage considerations, as most liability policies focus on damages for which the insured is responsible rather than those related to third-party ownership.