Personal property coverage is for everything that you take into your home like furniture, clothes, and everything in between. If you were to flip your home upside down, everything that falls is considered your personal property.
LOSS OF USE
Loss of use coverage goes towards your cost of living in the event you have to leave your home for repairs to be made. Hotel, meals, and extra living expenses up to 12 months are included, with the option to increase to 24 months.
Personal liability insures you against lawsuits for damages or injuries you or your family may cause on or off your property. From swimming pool accidents to playground fights, your legal fees are covered under your personal liability.
Medical payments cover any medical expenses incurred by other people on your property. If your water hose is laying on the sidewalk and your neighbor trips, falls, and breaks his leg, then your medical payments coverage will cover his medical expenses.