Which of the following is NOT typically covered by standard homeowners insurance?

Homeowners insurance is designed to provide a range of coverages for various types of damage and liability that homeowners may face. Fire damage, theft, and liability claims are all typically covered under standard homeowners policies. These coverages provide financial protection in the event of loss due to these common risks.

Flood damage, however, is usually not covered by standard homeowners insurance. Homeowners policies generally include coverage for damage from perils such as fire, vandalism, and theft, as well as liability claims related to injuries occurring on the insured property or damage the insured may cause to others. Floods are often considered a separate risk, and coverage for flood damage is usually provided through a distinct policy, such as a flood insurance policy, which is administered by the National Flood Insurance Program (NFIP) in the United States. Therefore, understanding that flood damage falls outside the typical coverage of a standard homeowners policy is essential for homeowners to ensure they have adequate protection for their properties.