Which of the following is NOT typically included in a homeowners insurance policy?

Homeowners insurance policies are designed to protect homeowners from a variety of risks associated with owning and living in a home. This includes several key coverage areas, making it important to understand what is typically included in such a policy.

Liability protection is a fundamental component of homeowners insurance, which offers coverage against claims for injuries or damage to other people or their property that may occur on your premises. This protection is essential for safeguarding the homeowner’s financial interests.

Additional living expenses coverage, often referred to as loss of use, is also included. This part of the policy pays for costs incurred when the insured home becomes uninhabitable due to a covered peril, such as a fire or severe storm. It helps homeowners maintain their lifestyle while repairs or rebuilding take place.

Personal property coverage is another standard inclusion, which protects the belongings within the home, such as furniture, electronics, and clothing, against risks like theft or damage from covered events.

In contrast, comprehensive auto coverage is specifically related to automobile insurance and is not part of a homeowners insurance policy. Homeowners insurance and auto insurance are distinct products, with different coverage requirements and policies. Therefore, comprehensive auto coverage, which offers protection for vehicles against damages, theft, and liability while operating a vehicle, does not