What type of insurance would cover both the structure and belongings of a homeowner?

The choice of basic homeowners insurance is correct because this type of insurance is specifically designed to provide coverage for both the physical structure of a home and the personal belongings within it. Basic homeowners insurance typically protects against common perils such as fire, theft, and certain types of damage that can occur to the home and its contents.

This type of policy not only covers damages to the home itself but also extends to personal property inside the home, offering homeowners peace of mind with comprehensive protection. It ensures that if a covered event occurs, such as a fire damaging the house or a burglary occurring, the owner can receive compensation for repairs and lost items.

In contrast, liability insurance provides coverage for damages or injuries that the homeowner may be liable for, but it does not cover the home or personal belongings directly. Flood insurance specifically addresses water damage from flooding events, which is typically not included in standard homeowners policies, and earthquake insurance covers damage from seismic events. Both flood and earthquake insurance are supplemental policies and do not encompass coverage for the home structure and personal belongings.