What kind of coverage is typically not included in a basic insurance policy?

Excess coverage is often not included in a basic insurance policy because it serves as additional protection on top of the limits of a standard policy. Basic insurance policies typically cover fundamental risks without extending into higher limits or additional types of coverage, such as those that exceed the standard liability and property damage limits.

In contrast, liability coverage, property damage, and comprehensive coverage generally form the foundational components of most basic insurance policies. Liability coverage protects against claims resulting from injuries and damage to others, property damage coverage addresses losses to the insured's property, while comprehensive coverage usually covers a broader range of risks such as theft and natural disasters. Therefore, excess coverage is viewed as an optional addition that provides further financial protection beyond the standard policy limits, making it typically absent from the basic offerings.