What is typically covered by a standard homeowners insurance policy?

A standard homeowners insurance policy is designed to provide a comprehensive range of protections for the homeowner. It typically covers personal liability, which protects the insured against legal claims for injury or property damage inflicted on others.

Additionally, it covers personal property, ensuring that items within the home, such as furniture and electronics, are protected against risks like theft or damage from certain perils. The dwelling structure itself is also a key component of the coverage; it protects the physical building from risks such as fire, windstorms, or vandalism.

This combination of coverage elements—personal liability, personal property, and the dwelling structure—is essential for providing financial security in the event of various losses or damages, making this answer the correct choice. The other options do not accurately reflect the coverage provided by a standard homeowners insurance policy. For instance, natural disasters are typically covered, but only under specific conditions and not exclusively. Commercial use is generally excluded, and home maintenance costs are typically the responsibility of the homeowner and not covered by insurance.