What are the two major coverages provided by Section II of the Homeowner's forms?

Section II of the Homeowner's forms primarily focuses on liability coverage. This section typically includes two significant types of coverage: personal liability and medical payments to others.

Personal liability coverage protects against claims for bodily injury or property damage that the policyholder or family members cause to others. This can include situations where someone is injured on the insured's property or if the insured accidentally causes damage to someone else’s property. The coverage will help cover legal defense costs and any settlements or judgments made against the policyholder.

Medical payments coverage, on the other hand, is designed to cover medical expenses for guests who are injured on the insured's property, regardless of fault. This means if someone trips and falls on the homeowner's property, the medical payments coverage can provide for their medical bills without requiring the injured party to prove negligence.

Understanding these coverages is essential for homeowners to ensure they are protected from potential legal liabilities and can manage medical costs for guests, making personal liability and medical payments the two major coverages offered in this section.