Which of the following is typically excluded from a standard homeowners policy?

A standard homeowners policy typically provides a broad range of coverage but also includes certain exclusions. Earthquake damage is one of those exclusions and is usually not covered under the basic form of a homeowners policy. Homeowners can purchase additional coverage or an endorsement specifically for earthquake damage if they live in an area that is prone to seismic activity.

The reason for this exclusion is that earthquakes pose a significant risk that can lead to substantial losses, and the insurance industry typically offers separate policies or coverage options to address such high-risk scenarios. This helps manage the risk and ensures insurers remain financially viable while still providing coverage for other, more common types of home damage.

In contrast, fire damage, theft of personal property, and windstorm damage are generally included in a standard homeowners policy, covering a typical range of hazards that a homeowner may encounter.