Which of the following is NOT covered under Additional Coverages in a homeowner's policy?

In homeowner's insurance policies, Additional Coverages typically encompass various areas designed to provide broader protection beyond the standard policy limits. Medical payments to others, loss assessment, and fire department service charge are common additional coverages.

Medical payments to others entail coverage for medical expenses incurred by visitors injured on the policyholder's property, regardless of fault. Loss assessment covers certain assessments made by homeowners' associations, providing financial protection against shared losses. The fire department service charge provides reimbursement for fees charged by the fire department when they respond to emergencies involving the insured property.

On the other hand, damage to third-party property for which the insured is legally liable falls under general liability coverage rather than additional coverages. Liability coverage protects the insured against claims for damages to third-party property or bodily injury. Therefore, this option is not classified as part of the Additional Coverages in a homeowner's policy. Understanding these distinctions is important for homeowners to know the extent and limitations of their insurance coverage.