Final answer:
The Basic Homeowner policy generally includes coverage for the building, detached private structures, and additional living expenses. Consultation with an insurance agent is recommended to confirm specific coverage details.
Step-by-step explanation:
The Basic Homeowner policy typically covers the Building, other structures on the property such as detached private structures, and includes additional living expenses should the home become uninhabitable due to a covered loss. While the coverage for personal property is standard, additional coverages such as for a summer cottage or fine arts endorsements may require additional endorsements or a separate policy. Legal liability is also a typical part of the homeowner policy, providing protection for the homeowner in case someone is injured on the property and the homeowner is considered legally responsible.
It is important to note that insurance policies can vary significantly by provider and by individual homeowner needs. In the case of the Basic Homeowner policy, option b) Building, detached private structures, additional living expenses typically reflects the standard inclusion in a policy. However, consulting with an insurance agent or the policy documentation is recommended for the precise definitions and inclusions of coverage.