What does Coverage E protect against?

Coverage E in a Massachusetts personal lines insurance policy pertains specifically to liability coverage for bodily injury and property damage caused by negligence. This means that if someone is injured or their property is damaged due to your actions, Coverage E would provide financial protection by covering legal expenses and damages for which you might be found liable.

It's essential to understand that this coverage typically kicks in when the insured is deemed legally responsible for causing harm to another party or their property. Therefore, it plays a critical role in protecting individuals from the financial repercussions of unintended injuries or damages that occur during their everyday activities.

The other options focus on different aspects of insurance coverage: rental income loss pertains to a separate type of insurance that deals with property income, medical bills without regard to fault usually falls under personal injury protection or medical payments coverage, and physical injuries to the policyholder would be covered under personal injury or health insurance—not liability coverage like Coverage E.