What type of insurance is mainly designed to cover homeowners?

Property insurance is specifically tailored to protect homeowners by covering loss or damage to their homes and personal belongings due to various risks, such as fire, theft, and certain natural disasters. This type of insurance typically includes coverage for the physical structure of the home and any attached structures like garages or decks, as well as personal property within the home.

Homeowners' insurance policies fall under the broader category of property insurance, making it the most appropriate answer for this question. It serves the primary purpose of financial protection against damages that homeowners may incur, which emphasizes the importance of property insurance in the context of homeownership.