Which coverage typically protects homeowners against natural disasters?

Named perils coverage is the correct choice because it specifically protects homeowners against losses caused by specific natural disasters or risks that are explicitly listed in the insurance policy. This type of coverage is designed to provide financial protection for property damage resulting from events such as fire, windstorm, hail, and other specified natural disasters.

In contrast, liability coverage focuses on protecting the homeowner from claims made by others for bodily injury or property damage that occurs on their property, rather than covering the homeowner's own property against natural disasters. Comprehensive coverage, while it sounds broad, usually refers to auto insurance and is not applicable to homeowners' protection against natural disasters. Mortgage coverage is related to the financial aspects of loans taken out to purchase a home and does not provide direct protection against property damage from natural disasters.

By understanding that named perils coverage precisely outlines the risks covered, homeowners can better evaluate the protection they have against specific natural disasters when choosing their insurance policy.