Part A of a homeowner insurance policy will cover damages to which of the following assets?

The correct answer is that coverage applies to the house itself and a garage that is attached to the house. Homeowner insurance policies typically cover the structure of the home and any attached structures, which include the roof, walls, and any integral components of the house as well as attached garages.

This distinction is important because attached garages share the same foundation and roof structure as the house, making them part of the overall insured property. Homeowner policies generally designate coverage for the primary dwelling and any structures directly connected to it.

Detached garages usually fall into a different category within the policy, which might be covered under a broader section or a rider, but they are not included in this context based on the specific question asked. Understanding the difference between attached and detached structures is essential in determining what is covered under a homeowner's insurance policy.

Therefore, when assessing coverage, it is critical to recognize that attached structures, including those such as garages that are physically connected to the home, typically receive direct coverage under the base policy.