What types of risks are generally covered by property insurance policies?

Property insurance policies are designed to provide coverage for specific risks that can lead to financial loss regarding physical assets. The correct answer highlights typical risks covered under these policies: fire, theft, and vandalism.

Fire is one of the most significant hazards that can damage or destroy property, making it a standard risk covered by these insurance policies. Theft protects policyholders against losses incurred from the unlawful taking of personal or commercial property. Vandalism refers to intentional damage caused to property, which is also commonly covered, as it can lead to significant costs for repair or replacement.

Other types of risks provided in the options do not align with the primary purpose of property insurance. Losses due to car accidents are covered under auto insurance rather than property insurance. Natural disasters, while impactful, may not be included in all property policies unless explicitly stated or purchased as an additional endorsement, such as flood or earthquake coverage. Health-related risks fall outside the realm of property insurance and are typically addressed through health or medical insurance.

Thus, the correct answer encapsulates the typical scope of coverage for property insurance policies effectively.