All the following types of insurance involve a personal contract EXCEPT:

In the context of insurance, a personal contract indicates that the policy is made specifically between the insurer and an individual, taking into account the personal circumstances and characteristics of the insured person.

Life insurance, despite being a personal contract for typical policies, has elements that allow it to transcend personal relationships. For instance, life insurance can be assigned to beneficiaries, which means that it may not necessarily be strictly a personal contract in the traditional sense. In this case, the life insured does not have to be the policyholder, and the coverage is ultimately about the financial support for the beneficiaries upon the insured's death.

In contrast, health, homeowners, and automobile insurance policies are designed specifically based on personal characteristics and risks associated with the individual policyholder's situation. These types of policies consider individual health conditions, property features, and driving records, making them distinctly personal contracts specific to the insured.

Thus, the nature of life insurance allows for broader interpretation, with implications for beneficiaries that distinguish it from the more personal aspects found in the other types of insurance listed.