What types of losses are covered under property insurance?

Property insurance is designed to cover various types of losses pertaining to the insured property, which typically includes the dwelling and any structures attached to it. The correct choice reflects this comprehensive protection that property insurance offers against risks like fire, vandalism, theft, and certain natural disasters that damage the physical structure of the home and its related buildings, such as garages or sheds.

By encompassing losses caused by damage to the dwelling and appurtenant structures, property insurance ensures that homeowners are protected against significant financial burdens resulting from repairs or rebuilding costs after incidents that lead to property damage.

The other options are limited in scope. Personal injuries to guests fall under liability insurance, not property insurance. Insurance policies may offer some protection for damages from natural disasters, but they often require additional riders or specific types of coverage; thus, only covering damages from natural disasters is too narrow. Lastly, while individual thefts can sometimes be covered under property insurance, they are not the primary focus, as the main intent is to cover the physical structures and their replacement value rather than just isolated incidents of theft.