Which of the following is NOT considered primary coverage in homeowners insurance?

In homeowners insurance, primary coverage typically refers to the essential protections that the policy provides against common risks associated with property ownership. Among the options presented, collapse is often not considered a primary coverage compared to the others listed.

Fire damage, liability coverage, and theft protection are all fundamental components of homeowners insurance. Fire damage is a standard risk covered under most homeowners policies, protecting the structure and personal belongings from losses due to fire. Liability coverage is crucial, as it protects homeowners from legal claims due to injuries or damages occurring on their property. Theft protection provides coverage for personal belongings that may be stolen from the home, which is also a common risk policyholders want to safeguard against.

Collapse, while it can be covered under some homeowners policies, is typically not viewed as a primary coverage type. Instead, it may be subject to more limitations or specific conditions outlined in the policy. Coverage for collapse often pertains to certain types of structural failures and may not be included in all homeowners insurance policies as a core benefit. Therefore, recognizing collapse as a less standard form of coverage helps clarify its distinction from the other more essential protections provided.