In the context of Homeowners Insurance, personal property coverage can include coverage for damages caused by which of the following?

Personal property coverage in a homeowners insurance policy is designed to protect the homeowner's belongings against certain risks or perils. Fire damage is a common peril that is typically covered under most standard homeowners insurance policies. When a fire occurs, it can cause significant destruction to personal property, such as furniture, clothing, and electronic devices. The insurance would generally reimburse the homeowner for the loss, up to the limits defined in the policy.

Other options may not apply in the same way. Flooding generally requires a separate flood insurance policy, as standard homeowners insurance does not cover water damage from floods. Theft from a locked car may not be covered under homeowners insurance either, as it usually depends on the specifics of the situation and the policy terms; often, theft from a vehicle is covered under a separate auto policy. Wear and tear is considered a maintenance issue and is not covered under homeowners insurance, as it does not typically protect against gradual deterioration of property.

Thus, selecting fire damage as the correct answer aligns with the coverage parameters of homeowners insurance, which explicitly protects against such sudden and accidental damages.