Which of the following is commonly covered by homeowners insurance?

Homeowners insurance typically covers various types of risks associated with personal property and the structure of the home itself. Theft of personal property within the home is a common coverage included in most homeowners insurance policies. This coverage protects homeowners from financial loss due to theft of personal belongings, such as electronics, furniture, and clothing, that occur within their residence.

In contrast, certain other types of loss or damage are often not covered under standard homeowners insurance. For instance, flood damage is typically excluded from standard policies and requires separate flood insurance. Damage caused by earthquakes is also not covered under a standard homeowners policy and usually requires additional or separate earthquake insurance. Additionally, wear and tear due to aging is considered a maintenance issue rather than a covered peril, as homeowners insurance is designed to cover sudden and accidental incidents rather than gradual deterioration from normal use over time.

Thus, while many risks are associated with homeownership, theft of personal property within the home is one of the primary protections provided by homeowners insurance, making it an essential aspect of coverage for policyholders.