Which of the following is NOT a main coverage type included in a homeowners insurance policy?

Homeowners insurance policies typically comprise several main coverage types designed to protect the policyholder and their property. Personal property covers belongings such as furniture, electronics, and clothing in the event of theft or damage. Liability coverage protects the insured against lawsuits for injuries or damages caused to others on their property. Additional living expenses cover costs incurred if the insured home becomes uninhabitable due to a covered loss, such as temporary housing or increased living costs.

Health benefits are not included in homeowners insurance policies. They are instead a feature of health insurance plans, which provide coverage for medical expenses, hospital visits, and other health-related costs. Since homeowners insurance is specifically tailored to protect against risks related to property and liability, health benefits fall outside the scope of this type of insurance coverage. This distinction clarifies why health benefits is the option that does not belong in the context of homeowners insurance.