Which of the following scenarios would typically not be covered if the loss exceeds the policy limit?

The scenario involving the extra costs incurred from a temporary relocation typically would not be covered if the loss exceeds the policy limit because such costs generally fall under additional living expenses (ALE) in homeowners insurance policies, which often have specific sub-limits. If the total loss exceeds the overall policy limit, then coverage for additional expenses such as temporary relocation might be capped or not covered at all, depending on the terms of the policy.

In contrast, theft of personal property, damage from fire, and liability claims related to guest injuries are usually covered under standard policy limits and have specific protections that apply; thus, they do not carry the same restrictions that might apply to additional living expenses. When a policy's limits are exceeded, those standard losses would still be covered up to the policy limits, whereas additional costs may not have the same protection, making the provided answer more accurate in this context.