Which insurance typically covers damages caused by unforeseen events like theft or fire in a home?

Property insurance is designed specifically to cover damages to physical property, including a home, caused by unforeseen events such as theft, fire, vandalism, or certain natural disasters. This type of insurance provides financial protection for the policyholder, ensuring that in the event of these damaging occurrences, they can recover the value of their lost or damaged possessions.

Liability insurance, on the other hand, primarily protects individuals against claims resulting from injuries and damage to other people or their property. Health insurance focuses on medical expenses related to health care services, while life insurance provides financial support to beneficiaries in the event of the policyholder's death. Since the question pertains specifically to covering damages to a home caused by unforeseen events, property insurance is the most appropriate choice.