Which type of insurance is generally not included in standard homeowners policies?

Water backup coverage is generally not included in standard homeowners policies. This type of coverage specifically protects against damage due to the overflow or backup of water from sewers or drains, which is considered a special risk. Since most homeowners policies only provide limited coverage for water damage, additional coverage options must be purchased if a homeowner wants protection against this specific risk.

On the other hand, liability coverage protects homeowners from legal claims due to injuries or damage sustained by others on their property. Fire damage coverage is typically included, as it is a fundamental aspect of homeowners insurance, covering damage to the home itself from fire. Personal property coverage is also a standard component, protecting the homeowner's belongings against theft, damage, or loss. Thus, while the other types of coverage are generally standard in homeowners policies, water backup coverage usually requires an additional endorsement or separate policy to be adequately protected.