Question

Which kinds of protection does homeowner’s insurance offer? Check all that apply.

It protects a car against theft in a parking lot.
It covers damages to a home.
It protects a home against theft.
It protects against natural disasters.
It protects against accidents or injuries.
It covers property lost outside of the home.

Answer 1

Checked items that apply (with brief notes):

- It covers damages to a home. — Yes. Dwelling coverage pays to repair or rebuild the house for covered perils.

- It protects a home against theft. — Yes (in the usual sense). Homeowner’s policies cover theft/burglary of your personal property and theft from the residence. (They don’t mean literally “stealing the house.”)

- It protects against accidents or injuries. — Yes. Homeowner’s liability and medical-payments cover injuries to visitors and some legal liability.

- It covers property lost outside of the home. — Yes, typically. Personal property coverage usually extends off‑premises (with limits and a deductible).

Not covered / not by homeowner’s policy alone:

- It protects a car against theft in a parking lot. — No. A vehicle is covered by auto insurance. (Personal items stolen from the car may be covered by the homeowner’s policy, subject to limits.)

- It protects against natural disasters. — Partially. Standard policies cover many natural perils (fire, wind, hail, lightning) but commonly exclude floods and earthquakes — those require separate coverage or endorsements.