Personal injury endorsement: Coverage E responds only to bodily injury and property damage. This endorsement extends personal liability to offenses such as false arrest, malicious prosecution, libel, slander, invasion of privacy, wrongful eviction and wrongful entry, which harm reputation or rights rather than bodies or property.
The endorsement excludes personal injury from a statement the insured knew was false when it was published. California adds its own limit: under Section 533, an insurer is not liable for a loss caused by the wilful act of the insured, although it is not excused by the insured's negligence. Honest mistakes are what the coverage is for.
Additional residence rented to others: a Section II endorsement. It adds a listed one- to four-family rental to the insured location for Coverage E and Coverage F, so a premises injury there can be covered. It gives no property coverage; the building and its rents need something else, such as a dwelling policy.
Home business endorsements:
Home Business Insurance Coverage (HO 07 01): property and liability coverage for a described business run from the residence or another structure on the residence premises, owned by the named insured or by a partnership, joint venture or family corporation of resident family members.
Permitted incidental occupancies: for a described incidental business on the residence premises, such as piano lessons; it relaxes the business exclusion for use of the premises. Claims away from the premises and auto liability stay outside it.