What type of insurance covers the contents of a dwelling?

Property insurance is specifically designed to cover the physical assets of an individual or business, which includes the contents of a dwelling. This type of insurance protects against risks such as fire, theft, and natural disasters that can damage or destroy personal belongings. It typically provides coverage for items such as furniture, electronics, clothing, and other personal possessions that are inside the home.

Liability insurance, on the other hand, protects against legal claims or lawsuits resulting from injuries or damages that one may cause to other people or their property, rather than covering the insured's own belongings. Auto insurance is specifically focused on vehicles and does not provide coverage for the contents of a dwelling. Life insurance addresses the financial needs of beneficiaries after the insured person's death, which is unrelated to property or contents coverage. Thus, property insurance is the appropriate choice for covering the contents of a dwelling.