Property Damage
Physical injury to or destruction of tangible property, including loss of use resulting from the damage.
Detailed Explanation
In homeowners insurance, property damage can refer to damage to your own property (covered by dwelling and personal property coverage) or damage you cause to someone else's property (covered by liability protection).
Practical Example
When a tree from Julia's yard fell onto her neighbor's fence during a storm, her personal liability coverage paid for the property damage to repair the fence and landscaping.
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