Which type of insurance provides coverage for damage to personal property?

Homeowner's insurance is specifically designed to provide coverage for damage to personal property within the insured residence, in addition to protecting the physical structure of the home itself. This type of insurance typically covers personal belongings such as furniture, electronics, clothing, and other valuables against risks like theft, fire, and certain natural disasters.

While life insurance offers financial support to beneficiaries upon the policyholder's death, and health insurance provides coverage for medical expenses, neither of these types addresses personal property damage. Automobile insurance, on the other hand, focuses primarily on vehicles and provides coverage for damages to vehicles and liability related to driving incidents, rather than personal property within a home.

In summary, homeowner's insurance directly addresses the need to protect personal property from various forms of damage, making it the correct option in this context.