Which of the following coverages is included in an unendorsed homeowners policy?

An unendorsed homeowners policy typically includes several standard coverages, one of which is Medical Payments to Others. This coverage is designed to provide limited reimbursement for medical expenses if a guest is accidentally injured on your property, regardless of fault. It reflects the policy's intent to address liability concerns that might arise from injuries occurring on the insured's premises, while also fostering goodwill by covering minor medical expenses.

Personal Property Coverage focuses on protecting the homeowner's personal belongings, such as furniture and electronics, which is indeed included in an unendorsed policy but is not the answer in this instance. Liability Coverage helps protect the insured from financial losses due to claims of negligence that result in bodily injury or property damage to others; however, it is not the specific answer being sought in this case. Property Damage Coverage may refer to the coverage of physical damage to the home itself, typically part of the dwelling coverage and not specifically tied to medical payments.

In summary, while Personal Property Coverage, Liability Coverage, and Property Damage Coverage are all important components of homeowners insurance, Medical Payments to Others is distinctly recognized as a core provision in the standard policy, making it the correct choice in this question.