What type of insurance policy typically includes coverage for personal property damage?

Homeowners insurance is designed specifically to protect against a variety of risks associated with owning a home, one of which is personal property damage. This type of policy typically covers losses due to events such as fire, theft, vandalism, and certain natural disasters. It provides financial compensation for personal belongings that might be damaged or lost, thereby helping homeowners recover from unexpected incidents.

Other insurance types mentioned do not provide this specific coverage. Life insurance focuses on providing a monetary benefit upon death, auto insurance covers vehicles and related liabilities, and health insurance is geared towards medical expenses. None of these options address the need for personal property protection within a residential context like homeowners insurance does.