What type of coverage is NOT automatically included in a typical dwelling policy?

Liability coverage is not automatically included in a typical dwelling policy, which is designed primarily to provide coverage for the physical structure of the property and certain specified risks associated with the property itself. While the dwelling policy offers building structure coverage to protect the physical elements of the home from specific perils, it may also extend to personal property coverage under specific endorsements. Additional living expenses coverage can be included by endorsement, but again, it is not automatically part of every dwelling policy.

Liability coverage, however, is an optional addition that homeowners need to purchase separately. It protects against claims or lawsuits arising from bodily injury or property damage to others for which the insured might be held responsible. Without specifically adding this coverage, policyholders are not protected under a standard dwelling policy, which is why it stands out as the correct answer in this context.