Which type of insurance coverage typically includes personal property such as furniture and clothing?

Homeowners insurance is specifically designed to provide coverage for personal property, including items like furniture and clothing. This type of insurance is particularly relevant for individuals who own or rent a home, and it combines various protections. It covers the physical structure of the home as well as the personal belongings inside it from risks such as theft, fire, and certain natural disasters.

Liability insurance primarily protects against claims of damage or injury to others and does not provide coverage for personal property. Auto insurance focuses on vehicles and does not cover household items. Health insurance is intended to cover medical expenses and does not extend to property at all. Thus, homeowners insurance is the coverage that directly addresses the protection of personal property.