A homeowner's insurance policy typically covers which of the following?

A homeowner's insurance policy is designed to provide comprehensive coverage that addresses both aspects of homeownership: personal property and structural damage. This means that the policy typically protects the physical structure of the home from various types of damage—like fire, windstorms, or vandalism—as well as the homeowner's personal belongings such as furniture, electronics, and clothing in case of theft or damage.

By covering both personal property and structural damage, homeowner's insurance helps to safeguard the homeowner's investment in their property while also providing financial protection for essential personal items. This dual coverage is crucial, as it helps homeowners recover from significant losses that could occur due to unforeseen events.

The other options do not capture the full scope of protection provided by these policies. For instance, limiting coverage to personal property or just structural damage fails to address the comprehensive nature of the policy that is designed to protect homeowners adequately. Focusing solely on liability for accidents neglects the essential protection homeowners need for their property and belongings. Therefore, C is the only choice that accurately represents the broad protections afforded by a typical homeowner's insurance policy.