Which of the following is NOT an additional coverage in a homeowners policy?

In a homeowners policy, various additional coverages help extend the protection provided to the policyholder beyond the standard coverage. Reasonable repairs, debris removal, and loss assessment are all considered additional coverages because they cover specific expenses that may not be directly related to the physical damage to the dwelling or personal property itself.

Reasonable repairs cover the cost incurred to make necessary repairs to prevent further damage after a covered loss. Debris removal ensures that homeowners can remove debris resulting from a covered peril, providing essential support in post-loss clean-up efforts. Loss assessment coverage is available to help cover the policyholder's share of loss when a homeowners association imposes an assessment due to a covered event.

In contrast, watercraft refers to a type of property rather than a specific additional coverage. While many homeowners policies do address the personal property coverage for watercraft, including limits on certain types, they typically do not categorize watercraft as an additional coverage. This distinction makes "watercraft" the correct choice for what is not considered an additional coverage in a homeowners policy context.