What type of insurance protects homeowners from losses caused by fire and burglary?

Hazard insurance is specifically designed to protect homeowners against losses caused by physical damage to their homes, including incidents such as fire and burglary. This type of insurance coverage typically forms part of a homeowner's insurance policy and serves to cover the structure of the home and, in some cases, personal property within the home. By compensating homeowners for losses incurred from such events, hazard insurance provides a financial safety net that helps them recover and rebuild after a disaster or theft.

Health insurance primarily covers medical expenses and is not related to property damage. Liability insurance protects against claims of injury or damage made by others, which is also not relevant to protecting the home itself. Title insurance, meanwhile, protects against risks related to property ownership and defects in title but does not cover loss or damage to the physical property. Therefore, hazard insurance is the appropriate choice for covering homeowners against losses from fire and burglary.