A typical homeowners policy does NOT cover which of the following?

Homeowners policies are designed to provide coverage for a variety of risks associated with owning and occupying a home. They typically include protection for personal liability and medical payments, coverage for the dwelling and other structures, as well as protection for personal property and loss of use if the home becomes uninhabitable due to a covered event.

Motor vehicles, on the other hand, are not included under a standard homeowners policy. This exclusion is primarily because motor vehicles are typically insured under a separate auto insurance policy. Homeowners insurance is intended to cover risks related to property and liability related to the home, while auto policies provide coverage specific to vehicles, such as collision and comprehensive damages.

Therefore, the correct answer indicates that motor vehicles are not covered by a typical homeowners policy, highlighting a key distinction between home insurance and auto insurance.