What coverage would best protect an individual who runs a home business from property damage claims?

To protect an individual who runs a home business from property damage claims, business personal property coverage is the most appropriate choice. This type of insurance specifically addresses the needs of business owners by safeguarding equipment, inventory, and other physical assets that are essential for conducting business operations. Coverage typically extends to situations where business property may be damaged due to various causes such as fire, theft, or vandalism.

In contrast, personal liability and homeowners liability coverage primarily protect against claims for bodily injury or property damage that occurs within the home, but may not extend to damage related to business activities. As home business owners often utilize personal space and items for their enterprise, it's critical to have dedicated insurance that covers the business aspect.

Inland marine insurance generally pertains to transportation and storage of movable property, which may not align with the specific property damage claims related to home-based business operations. Therefore, business personal property coverage stands out as the optimal selection for providing comprehensive protection against property damage claims arising from business activities in a home setting.