Does damage to property of others under section 2 of a homeowners policy duplicate coverage in section 1?

Damage to property of others under section 2 of a homeowners policy does not duplicate coverage provided in section 1. Section 1 primarily deals with coverage for the insured's own property, including dwelling and personal property, while section 2 focuses on liability coverage, which provides protection against claims for damages that the insured might cause to someone else's property or bodily injury.

Section 2 is designed to protect the insured from legal liabilities arising from accidental damages to other people's property, while section 1 ensures that the insured’s own assets are protected. Therefore, the coverage is distinct; section 1 addresses the insured’s property losses, and section 2 covers liabilities towards third-party property damage. This clear delineation of coverage types highlights why there is no duplication between these sections of a homeowners policy.