What is covered by the basic form of a homeowner's insurance policy?

The basic form of a homeowner's insurance policy typically includes coverage for a variety of perils that can cause damage to the home and its contents. Among the key types of coverage in this policy is protection against theft, which secures personal belongings from being stolen. Additionally, it includes smoke damage, which can occur from incidents like a fire, where smoke causes harm to the structure and contents of the house.

Furthermore, the policy provides coverage for damage resulting from fire itself, ensuring that if there is a fire, the homeowner can repair or replace damaged areas. Glass breakage is also included, protecting homeowners from the financial burden of repairing broken windows or glass doors. Lastly, the policy offers coverage for damage caused by riot and vandalism, giving homeowners peace of mind against intentional harm to their property.

While theft, fire, smoke damage, glass breakage, riot, and vandalism are commonly covered, flood damage and certain other risks, such as earthquakes, may require separate policies or riders, which is why those options are not included in the basic coverage. This comprehensive approach in answer C highlights the key protections that homeowners can expect under a standard policy, helping them to understand what fundamental coverage is available for their homes.