Which of the following is typically used to protect against losses due to perils?

Homeowners insurance is specifically designed to protect against a variety of losses associated with property ownership. This type of insurance typically covers perils such as fire, theft, vandalism, and certain natural disasters, providing financial protection for the homeowner.

In the context of real estate, it’s important to understand that homeowners insurance not only covers the physical structure of the home but also personal belongings and liability in case someone is injured on the property. This broad coverage is why homeowners insurance is the correct answer when discussing protection against losses due to perils.

Other types of insurance, while they do protect against specific risks, are oriented towards different contexts. For instance, health insurance is focused on medical expenses, auto insurance covers damages and liabilities related to vehicles, and business liability insurance protects businesses from claims resulting from injuries and damage. Each of these serves distinct purposes, making homeowners insurance the most relevant choice for the coverage of losses due to the various perils associated with home ownership.