Lucia had a homeowner's insurance policy on her house. While she was away on vacation, her porch got burned to the ground. After the fire, her house was burglarized and goods worth thousands of dollars were stolen from it. When Lucia arrived home, she called the police. While a police officer was interviewing her in her dining room, a chandelier fell on him and knocked him unconscious. Which losses will Lucia's homeowner's policy cover?

The losses due to theft and the injuries sustained by the officer, but not the losses incurred by the fire.

The losses due to fire and the injuries sustained by the officer, but not the losses incurred by theft.

The losses incurred due to fire and theft but not the injuries suffered by the police officer while on her property.

The losses incurred due to fire and theft as well as the injuries suffered by the police officer while on her property.