Your Loss of Use- When a major loss occurs the home may not be habitable. Loss of Use coverage pays for the extra expenses to stay at an alternate location.
Guests Medical- When guests get hurt in your home, there are funds available for the guests medical expenses.
Family Liability- This is the coverage that protects you from others and the landlord. When the unthinkable happens and you cause damage to the home or to other's, there will be a resulting lawsuit. Family Liability coverage is what protects you from the lawsuits. The term is called "Subrogation".