Which of the following is covered by a homeowners policy?

A homeowners policy is designed to provide coverage for a range of personal property and liabilities associated with home ownership. One of the key aspects of such a policy is its coverage for personal property located on the insured premises, which can include tools used for maintenance on the property. This means that if a homeowner uses tools for tasks such as gardening, repairs, or home improvement, those tools are generally covered under the personal property section of the homeowners policy.

In contrast, motor vehicles, farm equipment, and the property of tenants are typically not covered under a standard homeowners policy. Motor vehicles have distinct insurance requirements and are usually covered under auto insurance. Similarly, farm equipment is specifically insured under different types of agricultural insurance policies designed to cover the unique risks associated with farming activities. As for the property of tenants, it is the responsibility of the tenants themselves to secure renters insurance for their belongings while residing in a rented property.

Thus, tools used for maintenance on the property are included in the personal property protections of a homeowners policy, making it the correct answer in this context.