What is typically covered under a homeowner's policy?

Homeowner's policies are designed to provide comprehensive coverage that includes various facets of owning a home. Among these are personal liability and property damage, which encompasses not only the physical structure of the house but also the personal belongings within it and the liability coverage in case someone is injured on the property.

The personal liability aspect protects the homeowner against claims resulting from injuries or damage that occur on their property. For instance, if a visitor is injured while on the homeowner's premises, the policy would cover legal fees and any settlements arising from that incident.

Additionally, the property damage coverage extends to damage caused to the structure of the home itself from perils such as fire, theft, or natural disasters. Thus, this choice accurately reflects the broad nature of coverage that homeowners' policies are designed to provide, ensuring that both the homeowner's property and personal liabilities are adequately protected.

Other options, such as focusing solely on the structure of the house or personal belongings, do not encompass the full scope of a homeowner's policy. Similarly, renters' rights and liabilities are not relevant to homeowners' insurance, as that pertains to a different type of coverage specifically designed for tenants.