Final answer:
Building Ordinance or law coverage is not included in the Farmers Smart Plan Home Standard package. This coverage is important for complying with building codes during reconstruction after a loss.
Step-by-step explanation:
The Building Ordinance or law coverage is a form of insurance coverage that is important for homeowners. It covers the additional cost of bringing a building up to current building codes during repairs or reconstruction following a covered loss. When it comes to the Farmers Smart Plan Home packages, this specific coverage is not included in the Standard package.
The Enhanced and Premier packages typically offer more comprehensive coverage options, which may include Building Ordinance coverage, among other additional protections. It's crucial for policyholders to carefully select their insurance package based on their needs and to make sure that they have adequate protection for scenarios that require updates to a home to meet the latest building regulations.
Thus, the answer to the specific question asked by the student would be (a) Standard.