What does a homeowner's insurance policy typically cover?

A homeowner's insurance policy typically covers a broad range of areas, including personal property, liability, and the structure of the home itself. This comprehensive coverage is designed to protect homeowners from various risks.

Coverage for the structure includes protection against specific perils that may damage the physical building, such as fire, vandalism, or theft. Additionally, personal property coverage protects the homeowner's belongings inside the home, such as furniture, electronics, and other personal items, against risks like theft or certain types of damage.

Liability coverage is also a vital component of a standard homeowner's policy. It protects the homeowner from financial loss if someone is injured on their property and decides to pursue legal action. This can cover costs associated with medical expenses, legal fees, and damages awarded to the injured party.

The combination of these coverages makes the option highlighting personal property, liability, and the structure the most accurate representation of what a homeowner's insurance policy typically covers.