Which of the following is not a typical coverage included in property insurance?

Property insurance is primarily designed to cover physical assets such as buildings, personal property, and their associated risks. Typical coverages included in property insurance policies are risks that specifically affect those physical assets.

Theft, fire, and vandalism are all common perils covered by property insurance, as they directly relate to potential damage or loss of the insured property. For example, fire damage can lead to significant physical destruction of a building, while theft can result in a loss of personal items. Vandalism covers damage caused by malicious acts that result in property loss or damage.

Liability coverage, on the other hand, typically pertains to legal responsibilities arising from injuries or damages caused to another person or their property. It is more about protecting the insured from claims made against them due to their actions or negligence rather than covering their own physical assets. This distinction makes liability coverage fundamentally different from the typical coverages found within property insurance policies.

Thus, liability is not considered a standard element of property insurance, which is why it is the correct choice in this context.