Which of the following is typically covered under a standard homeowners insurance policy?

A standard homeowners insurance policy is designed to cover various risks associated with owning a home, and theft of personal belongings falls within this category. Typically, if personal items are stolen from the insured property or anywhere on the premises, homeowners insurance will provide coverage for those losses up to the specified limits in the policy. This coverage generally includes items such as electronics, furniture, clothing, and other personal possessions.

In contrast, flood damage is usually not included in a standard homeowners policy and requires a separate flood insurance policy for coverage. Automobile accidents are also not covered by homeowners insurance; rather, they require auto insurance specifically designed for vehicle-related incidents. Similarly, business liabilities that arise from running a business are not covered under a standard homeowners policy, as these businesses typically need separate commercial liability insurance to address such risks. Understanding the scope of coverage in homeowners insurance is important for ensuring adequate protection against potential losses.