Which of the following losses are covered under homeowners insurance?

Homeowners insurance is primarily designed to protect against specific types of losses that homeowners may encounter. The coverage typically includes damage to the home itself and the personal property within it, as well as liability protection for injuries that occur on the insured property.

When considering homeowners insurance, it's important to understand that it offers financial protection against losses due to perils such as fire, theft, or vandalism that can damage the structure or belongings within the home. Furthermore, it addresses liability, which means if someone is injured on the property and seeks medical or other expenses, the homeowners insurance could help cover those costs.

This alignment of coverage makes option C the most comprehensive and accurate choice, as it encapsulates the fundamental protections that a homeowners insurance policy is intended to provide.