Final answer:
The statement is False; Section 1 provides coverage for dwelling and personal property, whereas Section 2 provides liability protection, including damage to property of others, which is not a duplication but serves a different purpose from Section 1.
Step-by-step explanation:
The statement that damage to property of others (additional coverages) duplicates coverage that is included in section 1 of a homeowners policy is False. Coverage in Section 1 typically pertains to the dwelling itself and the homeowner's personal property, while Section 2 provides liability protection, which may include damage to property of others but it is not a duplication; rather, it serves a different purpose. This additional coverage in Section 2 often has a smaller coverage limit and is designed to cover damages or loss that the policyholder is legally liable for, but it does not cover the policyholder's personal property - that coverage comes from Section 1.