Which type of loss would likely be covered under Tom's homeowner's insurance?

Homeowner's insurance is designed to protect against specific risks related to a person's residence and the associated liabilities. The type of loss that would likely be covered under Tom's homeowner's insurance is the destruction of the duplex. This coverage typically extends to the structure of the home itself, including any attached units, such as a duplex, provided that the cause of destruction is covered under the policy (e.g., fire, storm, vandalism).

Homeowner's insurance generally includes coverage for the dwelling, which encompasses the physical property, any attached structures, and may even cover minor additional structures on the property. Therefore, if the duplex sustained damage from a peril listed in Tom's policy, like a fire or another covered disaster, the homeowner's insurance would likely provide financial coverage for repairs or reconstruction.

Other scenarios, like the destruction of yard furniture or injuries to guests in the yard, may have limited or separate coverage considerations. Destruction of yard furniture usually falls under personal property or may not be covered at all, depending on the circumstances. The theft of a neighbor's bicycle would not be covered since it does not pertain to Tom's property directly, and liabilities for guest injuries are generally addressed under liability coverage, which would also likely depend on the specifics of the