What type of coverage is not included in a basic dwelling policy?

Liability coverage is not included in a basic dwelling policy, which is primarily designed to protect the physical structure of the dwelling itself and any attached structures. This type of policy covers specific risks to the property, such as fire, windstorm, and hail damage, as well as providing coverage for personal property, although personal property coverage can vary or be added with endorsements.

The basic dwelling policy typically covers structural coverage, which is essential to protect the insured property against various forms of damage. Additionally, loss of use coverage, also known as additional living expenses, is often included to help policyholders cover costs if they need to live elsewhere while their home is being repaired. Given this framework, liability coverage, which protects the insured against legal claims for bodily injury or property damage to others, is distinctly separate and generally not part of the basic dwelling policy.