In a homeowners policy, which type of coverage applies to damages due to fire?

In a homeowners policy, property coverage is the section that specifically addresses damages to the insured's property, including damages caused by fire. This type of coverage is designed to protect the physical structure of the home, as well as personal property within it, from various hazards, one of which is fire. Property coverage provides financial assistance to repair or rebuild the home and replaces damaged or destroyed personal belongings.

Liability coverage, on the other hand, pertains to legal responsibilities for injuries or damages caused to others, rather than the insured’s own property. Loss of use coverage is related to situations where the homeowner cannot live in their home due to a covered loss—this applies more to the consequences of property damage rather than the damage itself. Additionally, additional living expenses coverage helps to cover living costs during the time that the insured home is uninhabitable, but it does not address the direct damage from fire itself. Therefore, property coverage is the correct type of coverage that directly applies to damages due to fire in a homeowners policy.