Part A of a homeowner insurance policy will also cover which of the following scenarios?

Part A of a homeowner insurance policy generally refers to the dwelling coverage, which is focused on protecting the physical structure of the home as well as any attached structures. This coverage includes damages caused by incidents such as fire, which can affect the structure of the home itself as well as personal property within it.

Smoke damage to the house falls under this part of the policy because it relates directly to the protection of the dwelling. If a fire occurs and causes smoke damage, dwelling coverage would typically pay for the necessary repairs to restore the home's interior and structure. Therefore, this scenario correctly aligns with the coverage provided in Part A.

Other scenarios listed, while significant, do not fit within the typical provisions of Part A. Fire damage to personal property would usually be covered under personal property coverage rather than dwelling coverage. Theft from the garage would also fall under personal property coverage. External damage caused by flooding is usually not covered in standard homeowner policies and often requires separate flood insurance. Hence, smoke damage to the house is the correct scenario aligned with Part A of a homeowner's insurance policy.