What does homeowners insurance typically cover?

Homeowners insurance typically covers a range of aspects regarding property and liability, making it a comprehensive policy for homeowners. The coverage includes not just the physical structure of the home, but also personal property and liability for accidents that may occur on the premises.

When the correct answer states that homeowners insurance covers property inhabited by the insured, including homes and apartments, it highlights the breadth of coverage provided. This includes not only the dwelling itself but also the personal belongings within it, protection against liability claims, and even other structures on the property, such as garages or sheds.

This comprehensive nature of the coverage is crucial because it ensures that homeowners are protected against various risks and losses associated with both their property and their responsibilities as homeowners, distinguishing it from options that limit coverage to only one aspect, like the physical structure or personal belongings.