What type of property insurance policy does Joan likely have if it does not include personal liability coverage?

Joan likely has a dwelling policy, as this type of insurance specifically provides coverage for the structure of the home and any attached structures but typically does not include personal liability protection. Dwelling policies are often used by property owners who rent out their homes or those who have properties that do not qualify for standard homeowners insurance, such as investment properties or homes that are not occupied for a significant duration.

In contrast, a homeowners policy typically includes personal liability coverage, which protects the homeowner from legal responsibilities related to injuries or damage occurring on their property. An umbrella policy offers an additional layer of liability coverage beyond the limits of the primary policies, including homeowners and auto insurance. An auto policy specifically pertains to vehicles and does not cover property damage like real estate. Therefore, if the insurance coverage excludes personal liability, a dwelling policy is the most logical choice for Joan's situation.