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

A homeowners policy generally covers a range of risks associated with owning and living in a home, providing a financial safety net for homeowners in various scenarios. Theft of personal property is one of the more common types of coverage included in these policies. If personal belongings, such as electronics, jewelry, or furniture, are stolen from the home or even while being transported elsewhere, the policy typically offers reimbursement for the value of those items, subject to policy limits and deductibles. This protection is an essential aspect of homeowners insurance, as it safeguards against loss that can occur from criminal activities like theft.

In contrast, flood damage is often excluded from homeowners policies and requires separate flood insurance. Wear and tear of the home is typically not covered, as homeowners insurance is designed to protect against sudden and accidental occurrences rather than gradual deterioration. Similarly, termite damage is considered maintenance-related and usually falls outside the scope of homeowners insurance, which doesn't cover damage due to pests or lack of home maintenance.