Which of the following would be covered under a homeowner's insurance policy?

Damage caused by fire is indeed covered under a homeowner's insurance policy. Homeowner's insurance typically protects against a variety of perils, and fire damage is one of the primary risks that policies are designed to cover. When a fire results in destruction or damage to the property, which can include the structure itself and personal belongings, the insurance policy provides financial assistance to the homeowner for repairs or replacements, subject to the terms of the policy and any applicable deductibles.

In contrast, routine maintenance of the home would not be covered because insurance policies are not designed to pay for regular upkeep. Likewise, intentional damage caused by the homeowner is excluded from coverage, as insurance is meant to protect against accidental damages and losses. Normal wear and tear is also not covered, as it is understood to be a natural deterioration that occurs over time through regular use. Homeowner's insurance focuses on unforeseen events and issues that are beyond the homeowner's control, which is why fire damage is included as covered property under these policies.