Which coverage falls under Section 2 of a homeowners policy?

Section 2 of a homeowners policy specifically addresses liability coverages, which include various forms of financial protection against lawsuits or claims made by others for bodily injury or property damage. Medical Payments coverage falls under this section as it provides reimbursement for medical expenses incurred by others who are injured on the insured's property, regardless of fault. This coverage is designed to address minor injuries and ultimately creates goodwill, as it can help avoid lawsuits.

The other options listed relate to different sections of a homeowners policy. Dwelling Coverage pertains to the protection of the physical structure of the home and falls under Section 1. Loss of Use Coverage relates to additional living expenses incurred if the home becomes uninhabitable, also covered under Section 1. Personal Property Coverage insures the belongings within the home against risks like theft and damage, which is again part of Section 1 of the policy. Understanding the distinctions among these coverages is essential for properly navigating homeowners insurance and ensuring adequate protection against various risks.