Which of the following is not typically included in a dwelling policy?

In a dwelling policy, liability coverage is not typically included as part of the standard coverage options. Dwelling policies are primarily designed to cover the physical structure of a home and may include options for covering personal property and specific perils such as vandalism.

The focus of a dwelling policy is on protecting the dwelling itself and any other structures on the property, which is referred to as structure coverage. Additionally, personal property of the insured can be covered, although it may be limited in a dwelling policy compared to a homeowners policy. Vandalism is often included as a covered peril under these policies. However, liability coverage, which protects against legal claims for bodily injury or property damage that the policyholder may cause to others, typically requires a separate policy or an endorsement to be included. This distinction is crucial in understanding the types of coverage provided and the intent behind dwelling policies as primarily structural protection rather than liability coverage.