Which of the following options is NOT typically covered by insurance?

Liability for pre-existing conditions is not typically covered by insurance because most health insurance policies exclude coverage for conditions that existed before the policy is issued. This means that if a person has a medical issue that was diagnosed or treated prior to enrolling in a health insurance plan, the insurance provider is generally not responsible for any costs associated with that condition.

In contrast, health expenses for a covered individual, life insurance for immediate family members, and property insurance for personal assets are standard forms of insurance coverage. Health insurance often provides for various health expenses once the individual is covered, life insurance provides financial protection to beneficiaries in the event of the policyholder's death, and property insurance protects against loss or damage to personal assets.

This differentiation in coverage highlights the specific exclusions typically found in health insurance regarding pre-existing conditions, reinforcing why this option is the correct choice in this context.