What do household insurance policies typically cover?

Household insurance policies are designed to provide comprehensive coverage for both the structure of the home and the contents within it. This typically includes protection against a range of perils such as fire, theft, vandalism, and certain natural disasters. By covering both buildings and contents, these policies help homeowners manage the financial risks associated with damage or loss.

The coverage of buildings ensures that homeowners can repair or rebuild their property if it suffers significant damage. Meanwhile, contents coverage protects the personal belongings inside the home, which can include furniture, appliances, electronics, and valuables. Therefore, the correct answer highlights the dual protection offered by household insurance policies against various risks, making it essential for homeowners to consider this type of insurance to safeguard their investments adequately.