Which of the following is NOT a type of commercial insurance policy?

Homeowners insurance is primarily designed to provide coverage for residential property and personal belongings, as well as liability protection for the homeowners. It caters specifically to individuals and families rather than businesses. In contrast, commercial insurance policies, such as Extra Expense Policies, Business Income Policies, and Comprehension Coverage, are tailored to address the needs of businesses, protecting their assets, income, and liabilities that arise in a commercial context.

Each of the other options focuses on different aspects of business operations; for example, the Extra Expense Policy helps businesses cover additional costs incurred to continue operations during a disaster, while the Business Income Policy compensates for lost income when a business is unable to operate due to a covered peril. Comprehension Coverage, while less commonly referenced, generally refers to property coverage that encompasses various risks commercial entities may face. This distinction illustrates that homeowners insurance does not fit within the scope of commercial insurance products.