Susan filed a claim against her homeowners policy after her husband’s gravestone was destroyed. Which statement is TRUE?

The statement regarding the potential coverage for repair costs of a gravestone is correct because many homeowners insurance policies include coverage for specific types of personal property damage, which can encompass items such as gravestones. Often, these policies provide coverage for certain losses resulting from a variety of perils, including vandalism or damage, as long as such coverage is explicitly included in the policy.

Homeowners policies typically offer some level of coverage for personal property, and in cases involving gravestones, there may be provisions for repairs or replacements. Additionally, insurers often view gravestones as part of the insured's personal property, which is generally protected against various risks.

This understanding highlights that while outright denial due to lack of coverage might be a common assumption, many policies can indeed cover certain aspects of damage to external property associated with the home. It’s essential for policyholders to review their specific policy documents to understand the nuances of coverage, especially concerning specialized items such as gravestones.