Which of these does not fall under the category of physical damage coverage?

The option selected indicates that "non-owned autos regularly used by the insured" do not fall under the category of physical damage coverage, which is accurate because physical damage coverage typically pertains to vehicles owned or specifically covered under a policy.

Replacement autos, temporary substitute autos, and autos listed on the declaration page are all examples of vehicles for which an insurance policy would offer physical damage coverage. Replacement autos are typically covered as they replace a vehicle that has been damaged or stolen. Temporary substitute autos are usually permitted under policies to cover vehicles that are temporarily used in place of an insured vehicle. Autos listed on the declaration page explicitly indicate that they are part of the coverage provided by the insurance policy.

Non-owned autos regularly used by the insured, however, often do not receive physical damage coverage unless specifically stated within the policy or covered under a different type of endorsement. This means they might not receive the same protections afforded to owned and listed vehicles, hence the distinction that places them outside the category of primary physical damage coverage.