Sec. 3. As used in this chapter, "homeowner's policy" means a policy that provides: (1) coverage for: (A) damage to or the destruction of: (i) a structure; or (ii) a unit within a structure; that is used as a residence by one (1) or more individuals; and (B) damage to or the loss of personal property that is present in the structure or unit described in clause (A); caused by perils such as fire, hail, and lightning; and (2) coverage against the civil liability of the policyholder arising from bodily injury or property damage incurred by others.
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