What is included in Part I of a package policy?

Part I of a package policy typically encompasses coverage related to property, such as Personal Property, Other Structures, and Loss of Use. This section is designed to provide comprehensive coverage for various types of property loss or damage, including items within the insured premises, structures not attached to the main building (like garages or sheds), and circumstances where the insured may have to vacate their home due to a covered loss, leading to additional living expenses.

In contrast, liability coverage is usually part of a different section of insurance policies and is often considered under a separate coverage part. Health coverage pertains strictly to medical expenses and is not generally included in a property and casualty package policy. Workers' compensation is a specific type of coverage designed for employee work-related injuries and is also not part of personal property coverage within a package policy. By understanding what Part I includes, one can see how it is focused on protecting physical assets rather than liabilities or worker-related risks.