What type of insurance covers damages beyond the owner's control?

Home insurance is designed to protect homeowners from various types of damages that may occur due to events outside of their control, such as natural disasters like earthquakes, floods, or fires. This type of insurance typically covers the physical structure of the home, personal belongings, and liability for injuries that occur on the property.

By covering these unexpected events, home insurance ensures that the homeowner can either repair or replace their property without facing overwhelming financial hardship. It provides a safety net for losses that arise from incidents that are often unforeseeable and unavoidable, thus offering crucial peace of mind to homeowners.

The other options focus on different types of coverage: auto insurance specifically addresses damages and liabilities related to vehicles, liability insurance protects against claims of negligence, and disability insurance provides financial support in case of loss of income due to inability to work.