Which type of insurance typically covers personal property within a home?

Homeowners insurance is designed specifically to cover a variety of risks associated with owning a home, including damage to personal property within the residence. This type of policy typically provides coverage for personal belongings like furniture, electronics, clothing, and other items in case of events like fire, theft, or vandalism.

In addition to protecting personal property, homeowners insurance generally includes liability protection, which covers bodily injury and property damage that a homeowner might be legally obligated to pay. However, its primary function is to secure not just the structure of the home but also the personal items within it.

The other types of insurance mentioned do not provide this coverage. For instance, auto insurance is focused specifically on vehicles and liabilities stemming from their operation, while liability insurance can provide coverage for legal claims but doesn’t cover personal property. Health insurance, on the other hand, deals exclusively with medical expenses and does not relate to home or personal property at all. Thus, homeowners insurance is the most appropriate choice for covering personal property within a home.