Which component of a homeowners policy covers personal property and loss of use?

The correct choice is Section I, as this section of a homeowners policy specifically outlines coverage related to personal property and loss of use. Section I encompasses several essential components that protect the policyholder's dwelling and personal belongings.

Personal property coverage under Section I ensures that policyholders are compensated for damages or losses to their personal items, such as furniture, clothing, and electronics, in the event of covered risks like theft, fire, or vandalism. Additionally, loss of use, also part of Section I, provides financial assistance when a residence becomes uninhabitable due to a covered peril, enabling homeowners to pay for additional living expenses while their home is being repaired.

The other components mentioned, such as Section II, generally pertain to liability coverage, which protects homeowners from claims or lawsuits arising from injuries or damages to others on their property. Coverage A specifically refers to the structure of the home itself, and Coverage D details the loss of use aspect but is included within Section I. Therefore, Section I is the broader category that encompasses both personal property and loss of use, making it the appropriate choice for this question.