What is typically included in property insurance coverage?

Property insurance coverage primarily focuses on protecting against damage to personal property. This includes a wide array of assets such as homes, personal belongings, and business property. The coverage is designed to help policyholders financially recover from losses due to events like fire, theft, vandalism, and other specified risks. When a covered peril causes damage, property insurance typically provides compensation to repair or replace the affected property, which underscores its fundamental purpose of ensuring the insured's assets are safeguarded.

Other options represent aspects that may fall outside the core focus of property insurance. For example, liability for third-party injuries generally relates to general liability insurance rather than property coverage, while coverage for natural disasters only does not capture the broad range of risks property insurance actually covers. Lastly, protection against lost business income pertains more to business interruption insurance, which is a distinct type of coverage not encompassed within standard property insurance policies.