Which of the following is covered under a standard homeowners insurance policy?

A standard homeowners insurance policy typically includes coverage for theft of personal property, making this choice the correct answer. Homeowners insurance is designed to protect against loss or damage to one's home and personal belongings from various perils, and theft falls under these covered perils. If personal items are stolen from the home or even from other locations, the policy can provide financial compensation for the losses incurred, subject to policy limits and deductibles.

In contrast, flood damage is typically excluded from standard homeowners policies. Homeowners may need to purchase a separate flood insurance policy through the National Flood Insurance Program or obtain it from private insurers to cover such risks.

Injuries on the property due to negligence can be covered under the liability section of a homeowners policy, but such coverage is not directly related to personal property loss or damage. It addresses legal responsibilities for injuries or damages to others occurring on the insured premises.

Maintenance issues generally fall under the category of regular upkeep and are not covered by homeowners insurance. Issues that arise from lack of maintenance, such as mold or deteriorating structures, typically do not qualify for coverage as they are considered the responsibility of the homeowner.