Which of the following coverages is included in an unendorsed homeowners policy?

Medical payments to others is indeed a standard inclusion in an unendorsed homeowners policy. This coverage provides a specified limit of coverage for medical expenses incurred by others who are accidentally injured on your property, regardless of fault. It serves as a means to help cover minor injuries without necessitating a lawsuit or proving negligence, helping to create good neighborly relations and avoiding contentious situations.

Replacement cost, personal liability coverage, and additional living expenses can be options that may or may not be included in a basic homeowners policy, but they typically require specific endorsements or higher-tier coverage forms to be activated in an unendorsed policy. Thus, while they are important components of comprehensive homeowners coverage, they are not generally included without further customization to the policy.