Which coverage would you generally find in a standard homeowners insurance policy?

Loss of use coverage is a standard feature in homeowners insurance policies. This type of coverage is designed to provide financial support to the policyholder if their home becomes uninhabitable due to a covered peril, such as a fire or severe storm. It typically pays for additional living expenses incurred while the home is being repaired, which may include costs for temporary housing, meals, and other necessary expenses. This protection ensures that homeowners are not left in a difficult financial situation during the time it takes to restore their property.

The other options do not typically fall within a standard homeowners insurance policy. Liability for libel relates to personal liability insurance and is more specialized, often requiring additional coverage. Professional liability coverage is specific to individuals in certain professions and is not included in standard homeowners policies. Lastly, workers compensation coverage is a type of insurance that provides benefits to employees injured at work and does not pertain to homeowners insurance at all. Therefore, loss of use coverage is the relevant and correct answer in this context.