What does a homeowners policy primarily protect against?

A homeowners policy is designed to provide coverage primarily for property and liability risks associated with owning a home. This includes protection for the physical structure of the home, personal belongings within it, and liability if someone gets injured on your property or if you cause damage to someone else's property.

Property coverage generally includes risks such as theft, fire, and certain natural disasters, ensuring that homeowners can recover from significant financial losses related to their residence. Additionally, liability coverage protects homeowners from legal claims made against them, which can arise from accidents or injuries occurring on their property.

In contrast, auto accidents, health-related expenses, and commercial losses are beyond the primary scope of a homeowners policy, illustrating why the correct answer is focused specifically on property and liability risks.