Which coverage protects personal property in a homeowners policy?

The correct choice, property coverage, is specifically designed to protect personal property within a homeowners policy. This type of coverage typically includes protection for items such as furniture, clothing, electronics, and other personal belongings against risks like theft, vandalism, or damage from certain disasters, depending on the policy terms.

Property coverage is a fundamental aspect of homeowners insurance, as it addresses the financial losses that a homeowner could incur due to damage or loss of their personal possessions. In contrast, lifestyle coverage, liability coverage, and health coverage do not focus directly on safeguarding personal property. Lifestyle coverage might pertain to additional living expenses during a displacement, liability coverage addresses claims made against the policyholder for bodily injury or property damage to others, and health coverage relates to medical expenses, which are separate from property protection. Therefore, property coverage is the most relevant and accurate descriptor for protection of personal belongings in a homeowners insurance context.