Coverage E (Personal Liability) applies when a claim is made or a suit is brought against an insured for bodily injury or property damage caused by an occurrence. The insurer pays damages for which the insured is legally liable and provides a defense at its expense, even if the suit is groundless, false or fraudulent. Its duty to settle or defend ends when the limit is used up by paying a judgment or settlement.
Common Coverage E exclusions:
property damage to property owned by an insured;
property damage to property rented to, occupied by or in the care of an insured, except damage caused by fire, smoke or explosion;
business activities and professional services.
Coverage F (Medical Payments to Others) pays medical expenses without anyone having to prove fault. It does not apply to the named insured or regular residents of the household, other than residence employees. On the insured location it covers people there with an insured's permission. Away from the location it covers injury caused by, among other things, an animal owned by or in the care of an insured.