Which basic perils are commonly covered by a homeowners policy?

A homeowners policy typically covers a range of basic perils that protect against damage to the home and personal property. The correct answer highlights three significant perils: fire, theft, and windstorm.

Fire is one of the most common perils covered, as it poses a substantial risk to property. Homeowners insurance policies often include coverage for damages resulting from accidental fires, ensuring that the policyholder can recover from such a devastating event.

Theft coverage is also crucial, as homeowners policies generally include protection against the loss of personal property due to burglary or theft. This assurance is particularly important, as personal belongings can hold significant value and may not be easily replaceable.

Windstorm coverage is significant in many regions, especially those prone to severe weather conditions such as hurricanes or violent storms. Homeowners insurance typically includes coverage for damages caused by winds, offering vital protection for structures and contents.

While other options may include perils that can occur, they either mix perils that are generally not standard in homeowners policies (such as flood or earthquake) or cover more niche scenarios that are typically addressed through other forms of insurance. Thus, option B encapsulates the core perils that are most commonly recognized and covered in a standard homeowners policy.