Which of the following is NOT an additional (free) coverage in Section I?

In a homeowners insurance policy, the additional coverages listed in Section I typically include benefits that automatically come with the policy at no extra cost. Debris removal refers to the coverage provided for clearing debris after a covered loss, which is essential for restoring the property. The fire department service charge covers expenses incurred when the fire department responds to a fire at the insured property. Reasonable repairs to protect property involve costs necessary to prevent further damage after a loss occurs.

Coverage for identity theft, however, is not considered part of the additional coverages automatically included in Section I of a homeowners insurance policy. Identity theft coverage is often a separate endorsement or requires an additional policy, making it distinctly separate from the free additional coverages that generally deal with physical property damage. Understanding these nuances is crucial when interpreting homeowners insurance policies and recognizing what is included as standard versus what requires extra coverage.