1. A homeowners policy generally combines:

Property coverage on the dwelling with personal liability coverage

A homeowners policy packages property coverage on the home and belongings with personal liability protection.

2. In a homeowners policy, Coverage A insures:

The dwelling structure itself

Coverage A in a homeowners policy applies to the dwelling structure on the residence premises.

3. Homeowners coverage for sums the insured becomes legally obligated to pay for bodily injury to others is:

Personal liability coverage

Personal liability coverage pays sums the insured is legally obligated to pay for covered bodily injury or property damage to others.

4. Homeowners coverage that pays additional living expenses when a covered loss makes the residence uninhabitable is:

Loss of use coverage

Loss of use coverage pays additional living expenses and lost rental value while the home is uninhabitable after a covered loss.