Which of the following is included as an Additional Homeowners Coverage?

Debris removal is considered an Additional Homeowners Coverage because it addresses a specific need that arises after a covered loss. When a homeowner experiences a loss due to a peril like a fire or storm, there may be debris left on the property that must be cleared before repairs can begin. This additional coverage is essential as it helps the homeowner manage the cleanup process and can cover the costs associated with removing debris from the insured property, thus facilitating the restoration of the home.

In contrast, while the other options may relate to homeowners insurance, they do not typically fall under Additional Homeowners Coverage in the same manner. Business property coverage pertains to items used for business purposes, which is generally excluded from standard homeowners policies without additional endorsements. Home-based business income protection may require a separate policy or endorsement. Liability coverage for visitors is usually encompassed within the general liability provision of a homeowners policy, rather than classified as an additional coverage. Therefore, debris removal stands out as a necessary component to aid homeowners in managing post-loss recovery effectively.