What type of coverage is typically included in a homeowner’s insurance policy?

A homeowner’s insurance policy typically includes personal property damage coverage, which protects the policyholder's belongings against risks such as theft, fire, or certain types of water damage. This type of coverage is essential for homeowners, as it ensures that personal items such as furniture, electronics, and clothing are financially protected in the event of a loss.

Commercial liability coverage is not included in a homeowner’s policy, as it is specifically designed for businesses to protect from claims arising out of business operations. Professional indemnity coverage also does not apply, as it is meant for professionals providing services to protect against claims of negligence or inadequate work. Vehicle collision coverage pertains exclusively to auto insurance, covering damage to vehicles in accidents, and is not relevant to homeowner’s insurance at all. Therefore, personal property damage coverage is the correct and applicable type of coverage included in a homeowner’s insurance policy.