Which of the following covers additional (free) coverages found in Section II?

The correct choice is the coverage related to Defense Costs, which is often included in Section II of homeowners insurance policies. This section typically deals with liability coverages that provide protection when the insured is held legally responsible for bodily injury or property damage to others.

Defense costs refer to the expenses incurred while defending against a lawsuit or legal claim, even if the claim is found to be groundless, false, or fraudulent. These costs can accumulate quickly and can significantly impact the insured's financial situation; thus, they are generally included as an additional coverage provided by the insurance policy. This means that policyholders can have peace of mind knowing that they will have support in covering their legal defense expenses.

While other options may refer to important aspects of insurance coverage, they do not specifically qualify as "additional (free) coverages" found in Section II of a homeowners policy. Claims management is more about the process involved in handling claims rather than a coverage itself. Property replacement costs typically fall under Section I, which deals with the structure and personal property. Loss of use, while a crucial coverage that applies when additional living expenses are incurred due to a covered loss, does not pertain to liability claims and defense costs, making it separate from the additional coverages in Section