Which two coverages are automatically included in a homeowners policy but not in a dwelling policy?

The correct answer identifies the two coverages typically included in a homeowners policy but not a dwelling policy, which are theft of personal property and personal liability. Homeowners policies are designed to cover both the structure of the home and the personal belongings within it, along with liability coverage that protects homeowners from legal claims due to injuries or damages occurring on their property.

Theft of personal property is a significant coverage that provides financial protection against loss of belongings due to theft, which is particularly important for homeowners who have a variety of personal items in their home. Additionally, personal liability coverage offers crucial protection for legal expenses and damages if someone is injured on the property or if the homeowner unintentionally causes harm to someone else's property.

On the other hand, a dwelling policy primarily insures the physical structure of the home itself and does not usually include personal property or liability coverages. Instead, these policies focus on specific risks such as fire or storm damage to the home and do not automatically cover theft or personal liability, making homeowners policies more comprehensive for individuals looking for broader protection.