Which type of policy would typically include a more specific insurance clause?

A household policy would typically include a more specific insurance clause because it is designed to cover a range of personal property and liabilities associated with residential living. This type of policy often contains clauses that detail what is covered, such as buildings, contents, personal belongings, and specific perils that may cause damage or loss. The specificity allows policyholders to understand exactly what their coverage entails, making it easier to identify any exclusions or limitations within the policy.

In contrast, a product liability policy focuses more on claims arising from injuries or damages caused by products, and typically does not detail the personal specifics as a household policy would. An employers' liability policy is more standardized in its coverage of employee-related claims and does not provide the same level of specificity related to personal household items. Lastly, a fidelity guarantee policy is designed to protect businesses against losses caused by fraudulent acts of employees, which also does not necessitate the same heightened specificity that a household policy requires for personal assets.