Which of the following is an additional coverage under homeowners policy?

• A. Debris Removal
• B. Loss of rent
• C. Replacement of personal property
• D. Liability settlement

Answer: (A)

Debris removal is an extra protection added to a homeowners policy. After a covered loss, the policy pays the reasonable expense to remove and dispose of debris from the damaged property, up to a specified limit. This is included automatically as an additional coverage, so you don’t have to buy a separate endorsement for this protection. It helps you handle cleanup costs that can be substantial and are often overlooked when assessing a claim.

Loss of rent is tied to the broader Loss of Use coverage, which covers increased living expenses or rental income losses in certain situations, but it isn’t categorized as an explicit “additional coverage.” Replacement of personal property relates to how property losses are paid (replacement cost vs. actual cash value) under the property coverage, not a standalone additional coverage. Liability settlement falls under the liability portion of the policy, not an extra protection on the property side.