Which of the following covers damages to a rented property while it's being occupied as a residence?

The correct choice, tenant's insurance, is specifically designed to safeguard the personal belongings of individuals who rent their living space. This type of policy typically provides coverage for personal property against risks such as theft, fire, and vandalism. In the context of renting a property for residential purposes, tenant's insurance also often includes liability coverage, which protects against accidents that may occur in the rented unit.

Homeowners insurance is primarily intended for individuals who own their homes and does not apply to renters; it generally covers the structure of the home and the owner's personal belongings. Auto insurance relates to vehicles and has no connection to property rented for residential living. Commercial insurance caters to businesses and properties used for business purposes, which again doesn’t apply to residential rentals.

Understanding these distinctions clarifies why tenant's insurance is the appropriate choice for covering damages to rented residential property.