What type of coverage does Dwelling E (Homeowners Only) provide?

Prepare for the Washington Property and Casualty Test. Study with flashcards and multiple choice questions, each question has hints and explanations. Get ready for your exam!

The choice identifying Dwelling E (Homeowners Only) as providing personal liability coverage is correct. In the context of home insurance, personal liability coverage protects the policyholder against claims from injuries or damages that occur to other people on their property. This coverage is crucial as it helps cover legal fees, medical expenses, and damages the homeowner is found liable for in such incidents.

Homeowners policies typically include personal liability, providing coverage for bodily injury and property damage caused by the insured or family members living in the home. It’s an essential element of homeowners coverage, as it ensures financial protection in the event of accidents or mishaps that result in legal actions.

The other options revolve around benefits and protections that, while significant, are not classified under the "Dwelling E" encapsulation in terms of liability. Additional living expenses, for instance, cover costs associated with living elsewhere if a home becomes uninhabitable, while personal property protection relates to covering the insured’s belongings rather than liabilities incurred to others. Comprehensive coverage often refers to a broader spectrum of insurance elements that are not exclusively focused on personal liability.

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