Which coverage would typically not be included in a standard homeowner's policy?

Homeowners insurance is designed to provide coverage for individuals and families against various risks associated with homeownership. A standard homeowner's policy typically includes personal liability coverage, coverage for personal property, and additional living expenses as part of its standard offerings.

Business property coverage, however, is not typically included in a standard homeowner's policy. This type of coverage is specifically tailored for businesses or for individuals who conduct business activities from their homes. Standard homeowners policies generally limit coverage to personal belongings and household-related activities. As a result, if a homeowner has business-related property or operates a business from their home, they would usually need to purchase additional coverage, often referred to as a business endorsement, to protect against risks associated with business property.

By understanding this distinction, homeowners can better assess their insurance needs and ensure they have the proper coverage for both personal and business assets.