1. Coverage A of a homeowners policy insures:

The dwelling

Coverage A insures the dwelling structure; other coverages address other structures, personal property, loss of use, liability, and medical payments.

2. Coverage C of a homeowners policy insures:

Personal property (contents)

Coverage C insures the insured's personal property (contents), often on a named-perils basis and frequently at a percentage of the Coverage A limit.

3. Coverage D (loss of use) in a homeowners policy pays for:

Additional living expenses when the home is uninhabitable due to a covered loss

Loss of use pays additional living expenses and/or lost fair rental value when a covered loss makes the residence uninhabitable, subject to limits.

4. Section II personal liability coverage of a homeowners policy protects the insured against:

Claims for bodily injury or property damage to others for which the insured is liable

Section II liability coverage responds to claims that the insured is legally liable for bodily injury or property damage to others, and provides a defense.