Which of the following is NOT included in the automatic personal property coverage of homeowner's forms?

Homeowner's insurance policies typically offer various types of coverage, including automatic personal property coverage. This coverage generally includes personal property owned by the insured, detached private structures like garages or sheds, and the dwelling itself. Each of these elements serves to protect the insured’s investments in their home and related structures.

Liability insurance, however, operates under a different function and is designed to protect the insured from legal obligations due to injuries or damages they may cause to others. This type of insurance is not part of the automatic personal property coverage included in the homeowner's forms. Instead, it is a separate coverage that must be understood within the broader context of liability protection rather than as part of property coverage.

Therefore, the correct answer indicates that liability insurance is not included in the automatic personal property coverage, as it serves to provide a different form of protection altogether. Understanding this distinction helps clarify how different types of coverage within a homeowner's insurance policy work.