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Property Damage**: Covers physical damage to the building caused by fire, storms, or vandalism.

- **Liability Insurance**: Protects against legal claims from injuries or damages occurring on the property.

- **Loss of Income**: Compensates for lost rental income if the property becomes uninhabitable due to a covered event.

- **Optional Add-ons**: These might include coverage for appliances, furnishings, or additional structures on the property.