What type of coverage is typically provided for minor property damage in homeowners insurance?

Homeowners insurance typically includes property damage coverage, which protects against loss or damage to the physical structure of the home and its contents due to events such as fire, theft, vandalism, windstorm, and other covered perils. This coverage helps homeowners manage the cost of repairs or replacements needed for minor property damage, ensuring that they are protected financially against common risks associated with homeownership.

While comprehensive coverage is often associated with auto policies, liability coverage pertains to injuries or damages that the policyholder might be legally responsible for, rather than damage to their own property. Personal injury coverage specifically addresses non-physical injuries, such as defamation or invasion of privacy, and does not apply to physical property damage. Therefore, property damage coverage is the most relevant type of coverage to address minor property damage within a homeowners insurance policy.