Which insurance policy generally covers damage to personal property caused by fire?

Homeowners insurance is designed to provide coverage for damage to personal property in various circumstances, including damage caused by fire. This type of policy typically includes protection for the dwelling itself as well as personal belongings within the home, such as furniture, clothing, and appliances, against perils like fire, theft, and vandalism.

In the context of a fire, homeowners insurance can help cover the repair or replacement costs of personal property that is damaged or destroyed. This makes it a crucial type of insurance for homeowners who want to safeguard their personal assets from a range of risks, particularly fire.

Other types of insurance mentioned, such as auto insurance, primarily focus on vehicles and may not extend to personal property within a residence. Health insurance is specifically designed to cover medical expenses and does not address property damage at all. Liability insurance protects against claims of negligence leading to injuries or property damage but does not cover personal property loss due to fire. Therefore, homeowners insurance is the appropriate choice for coverage of personal property damaged by fire.