This is the liability section of your homeowners policy.
Coverage E : is your Personal Liability. So lets say someone comes over and slips on some ice and breaks their back, they could sue you. This is where your Personal Liability comes into play. How much liability should you purchase with your policy you ask? As much as you can afford.
Coverage F : is for Medical Payments. So with the same scenario as up top this coverage would also come into play. So if the individual slips and falls you can make a claim to have your insurance pay the first $1,000, $5,000, or whatever you coverage limit is of the individuals medical bills as a good faith gesture to prevent him from wanting to file a law suit against you.
*All above are subject to deductible.
If you have any questions please feel free to post a comment and ask away.