Does a homeowner's insurance policy typically cover theft?

A homeowner's insurance policy typically provides coverage for theft, making the assertion that it generally covers this type of loss accurate. Such policies are designed to protect homeowners against a range of risks, including theft of personal belongings within the home.

However, it's important to note that while the policy does cover theft, it does not extend coverage to injuries sustained by a person in the home from the theft incident itself. This means that if someone is hurt during a theft, the homeowner's insurance would not cover medical expenses or any liability arising from that injury. Instead, coverage for injuries typically falls under a separate liability clause within the homeowner's policy or a different type of insurance altogether.

In contrast, some other options suggest limitations that do not accurately reflect the typical coverage of a standard homeowner's insurance policy. For instance, stating that insurance covers only property damage ignores the inclusion of theft as a covered perils, and claiming coverage is limited to natural disasters excludes various types of losses that the policy provides. Thus, recognizing that a homeowner's insurance policy does cover theft while addressing the limits regarding personal injury helps clarify the nature of coverage offered.