1. A homeowners policy is generally divided into Section I and Section II, which cover:

Property coverages and liability coverages respectively

Section I addresses property coverages while Section II addresses personal liability and medical payments to others.

2. The mortgagee (standard mortgage) clause in a homeowners policy protects the lender by:

Preserving the lender's claim to loss payment even if the insured violates a policy condition

The standard mortgage clause protects the lender's interest in loss proceeds even if the insured's own act would void coverage.

3. The additional living expense coverage in a homeowners policy reimburses:

Extra costs to maintain the household while the home is repaired after a covered loss

Additional living expense pays the increased cost of living elsewhere while the damaged home is repaired or rebuilt.

4. Debris removal coverage under a homeowners policy pays for:

Removing debris of covered property after a covered loss

Debris removal is an additional coverage that pays the cost to remove debris of covered property following a covered loss.