Which type of additional coverage under HO Liability includes first aid expenses?

The correct answer addresses the type of additional coverage under Homeowners (HO) Liability that involves first aid expenses, which is found under the "Damage to property of others" segment. This particular coverage is designed to provide reimbursement to insured individuals for incurred expenses when they respond to a situation involving injury to others on their property.

In this context, first aid expenses are often associated with the immediate response to an injury that occurs due to the insured's activities or the state of their property. This coverage ensures that the insured is not financially burdened by such costs, encouraging them to act responsibly and promptly when emergencies arise.

The other options, while related to liability or coverage in different contexts, do not specifically address first aid expenses. "Claims expenses" relates more to the costs incurred during the claims process itself rather than direct medical expenses. "Personal liability" deals with the insured’s legal obligations to cover damages for injuries or damages caused to others, which does not include first aid costs. "Coverage for fair rental value" applies to loss of rental income in the event that the property becomes uninhabitable, and does not pertain to first aid. Thus, "Damage to property of others" clearly aligns with first aid expenses in this insurance context.