Which of the following coverages is included in an unendorsed homeowners policy?

Medical payments to others is included in an unendorsed homeowners policy as a standard feature. This coverage is designed to cover medical expenses for individuals who are injured on your property, regardless of fault. It is typically available up to a specified limit per person and is meant to provide prompt payment for minor injuries, helping to avoid the need for lawsuits related to those injuries.

In contrast, personal property replacement coverage is generally not included in a standard homeowners policy; it often requires an endorsement for more comprehensive coverage. Similarly, while homeowners policies may cover certain damage caused by fungi or bacteria, those coverages usually come with specific limitations or require endorsements. Earthquake coverage is also not a standard part of a homeowners policy and typically needs to be purchased separately due to the high risk associated with seismic activity in certain regions. Thus, medical payments to others is clearly a feature of standard homeowners policies, distinguishing it from the other options listed.