What type of expenses are typically covered by a homeowners policy for personal property?

A homeowners policy for personal property primarily covers losses due to perils. This means that it protects the policyholder's belongings against specific risks or events, such as fire, theft, vandalism, and certain natural disasters, as outlined in the policy. When a covered peril causes damage or loss to the personal property, the insurance typically reimburses the policyholder for the value of the items lost or damaged, subject to the policy limits and deductible.

The other options represent expenses that are generally not covered under a standard homeowners insurance policy. Maintenance costs are considered the homeowner's responsibility and are not insurable events. Appraisal fees and legal fees pertain to costs associated with evaluating property value or legal disputes, which aren’t typically part of personal property coverage in homeowners insurance.