Personal possessions: Covers your stuff if it's stolen or damaged
Personal property covers your belongings if they're damaged or stolen. Your items can include furniture, clothes, electronics, etc. Plus, your belongings are covered even if they're not in your home (your car, storage unit, etc.)
Loss of use: Covers your temporary living expenses
If your place is damaged and you can't stay there, loss of use coverage pays for hotel/rent and food expenses above what you'd usually pay.
Personal liability: Covers lawsuits if someone sues you
If someone sues you or a family member you live with (for damage to their property or their injuries), personal liability covers you.
Medical payments: Covers injuries at your place
Medical payments coverage pays for medical bills if someone else is hurt at your place.
Water back-up: Covers water damage from backed-up sump pumps and sewers.
Some apartments/homes have sump pumps in their basements or crawl spaces. These are designed to pump water out from underneath and around the foundation. Sometimes these sump pumps or plumbing/sewer systems get backed up. Water may then flood into your place and cause an expensive mess. Water back-up will then pay for damage to your belongings and water removal.
Personal injury: Covers rare but expensive lawsuits and situations.
Personal injury coverage pays for your legal fees and additional damages from: