Which of the following is a main purpose of homeowner’s insurance?

The main purpose of homeowner's insurance is to protect property from loss due to disaster. This type of insurance provides financial coverage for damages to the home and personal belongings caused by events such as fire, theft, vandalism, and certain natural disasters (like hurricanes or earthquakes, depending on the policy). By having homeowner's insurance, homeowners can mitigate the financial impact of unexpected events, providing peace of mind and ensuring they have the means to repair or replace their home and possessions after a covered loss.

Other options do not align with the primary function of homeowner's insurance. While increasing market value or ensuring appreciation could be benefits of property ownership, they are not the direct objectives of homeowner's insurance. Similarly, covering mortgage payments during unemployment typically falls under unemployment insurance or mortgage protection insurance, not homeowner's insurance.