What type of coverage is included in Section II of Homeowners insurance?

• A. Personal Liability Coverage
• B. Property Coverage
• C. Medical Payments to Others
• D. Criminal Liability Coverage

Answer: (A)

Section II is the liability protection part of a Homeowners policy. The main coverage there is Personal Liability Coverage, which protects you if you’re legally responsible for injuries or property damage to others caused by you, your family members, or your pets. It also covers defense costs, settlements, and judgments up to the policy limits. Another component in Section II is Medical Payments to Others, which pays medical expenses for guests who are injured on your property or because of your actions, regardless of fault. Property Coverage, by contrast, is found in Section I, not Section II, and there isn’t a separate “Criminal Liability Coverage” in a standard homeowners policy. So the primary type of coverage in Section II is Personal Liability Coverage.