Which of the following is not included in homeowners policies?

Homeowners' policies typically cover a range of assets and liabilities associated with owning a home, including personal property, liability coverage, and structural damage. The homeowners' policy provides protection for the structure of the home itself against perils like fire, theft, or natural disasters, and it also covers personal property within the home, such as furniture and electronics.

Liability coverage in these policies protects homeowners from financial losses resulting from lawsuits for injury or damage to others, which might occur on their property or as a result of their actions elsewhere.

While homeowners' policies offer a comprehensive type of coverage, they generally do not include coverage for family pets. Most homeowner policies explicitly exclude liability for injuries or damages caused by pets, and while personal property coverage might extend to personal belongings, it typically does not cover pets, as they are considered personal property but with unique considerations and restrictions in the insurance realm.

Understanding this distinction is important for homeowners seeking to secure appropriate coverage for their pets, as they would generally need a separate policy or endorsement specifically designed to cover pet-related issues.