Which of the following is NOT covered under MH(F) policies?

MH(F) policies, also known as manufactured home insurance, typically provide coverage for various risks associated with manufactured homes. This insurance is designed to protect the structure of the home and its contents against certain perils.

Flood damage is generally excluded from standard property insurance policies, including MH(F) policies, which is why the first choice is a potential exclusion but actually could be considered covered if additional endorsement is purchased. Personal property losses are generally covered under these policies, as they protect the insured’s belongings within the home. Liability claims are also typically included, as these policies provide liability protection to cover injuries or damages that occur on the insured's property.

Earthquake damage is often not covered under standard MH(F) insurance policies unless a specific earthquake endorsement is purchased. This makes it the correct answer for exclusion under the typical policy provisions. Therefore, it’s accurate to state that earthquake damage is generally not included in standard MH(F) policies without additional steps taken by the insured to secure that coverage.