Which of the following is NOT an additional coverage in the liability section of a homeowners policy?

The question pertains to additional coverages under the liability section of a homeowners policy. The correct choice highlights a fundamental aspect of liability insurance.

Damage to a third-party property for which the insured is legally liable is not considered an additional coverage; rather, it is part of the core liability coverage itself. This means that the homeowner's policy directly addresses incidents where the insured is responsible for damage to someone else's property. Such liability coverage is essential as it ensures that the policyholder can financially cover claims made against them due to their negligence.

On the other hand, claims expense, expenses incurred rendering first aid for bodily injury to third parties, and damage to the property of others are all classified as additional coverages. These additional coverages provide further protection and benefits beyond the primary liability coverage, enhancing the overall security the homeowners insurance offers.

Understanding this distinction is critical for policyholders to fully grasp the scope of their insurance protection and how it operates within the framework of their homeowners policy.