Which of the following are additional coverages available in HO policies without additional premiums?

• A. Debris removal, lawns/plants/shrubs/trees removal, reasonable repairs, and fire department service charges
• B. Earthquake coverage and flood insurance
• C. Personal property replacement costs
• D. Scheduled property endorsement

Answer: (A)

In homeowners policies, some coverages are included automatically at no extra premium as Additional Coverages. Debris removal, removal of damaged lawns/plants/shrubbery/trees, reasonable repairs to protect property from further damage, and fire department service charges are these standard add-ons. They are paid for as part of the policy without needing a separate endorsement or extra premium, which is why this set is the correct choice.

Earthquake coverage and flood insurance typically require separate endorsements and additional premium. Personal property replacement cost is usually an optional endorsement that adds cost, rather than a default no-cost coverage. A scheduled property endorsement is a distinct rider for valued items, also with extra premium.