In homeowners policies, indirect losses are covered by:

In homeowners policies, indirect losses are covered by Additional Living Expenses Coverage. This aspect of a homeowners insurance policy is designed to provide financial support for costs incurred when a homeowner is unable to live in their home due to a covered loss, such as damage from a fire or severe storm.

For instance, if a family's home is rendered uninhabitable, the Additional Living Expenses Coverage will help cover the costs associated with temporary housing, meals, and other related expenses necessary for maintaining a normal standard of living while repairs are made. This coverage is crucial because it addresses the financial burden that can arise when a policyholder faces disruption in their usual living situation.

In contrast, the other coverage types listed serve different purposes. Personal Property Coverage primarily protects the policyholder's belongings within the home, Liability Coverage addresses legal responsibilities in the event someone is injured on the property, and Personal Injury Coverage deals with claims arising from offenses like slander or false arrest, not the costs associated with temporary living arrangements following a loss. Thus, it is the Additional Living Expenses Coverage that specifically caters to indirect losses, making it the correct choice.