Which loss would be covered under the Homeowners' Comprehensive Form?

The Homeowners' Comprehensive Form is designed to provide broad coverage for various types of losses that homeowners might encounter. One of the main features of this type of policy is its coverage for losses arising from specific perils, including damage caused by wildlife.

In the case of a raccoon breaking building glass, this incident would be covered under the Homeowners' Comprehensive Form because policyholders are protected against damage from various external factors, including animals. Covered losses typically encompass direct physical damage caused by events that are not excluded by the policy, such as vandalism or accidents involving wild animals.

The other options may involve circumstances that do not meet the criteria for coverage under this specific homeowners' insurance form. Theft, while generally covered, can depend on specific exclusions related to the items stolen or the circumstances of the theft. The broken golf club and stolen gun collection may not be directly linked to a peril covered under the homeowners' policy, primarily if they are considered personal property rather than structural damage.