What situation would NOT typically fall under the coverage of a homeowners insurance policy?

A homeowners insurance policy typically provides a range of coverages, including protection for personal belongings, liability for injuries to others on the property, and personal injury claims. However, coverage for certain types of damage, such as that caused by earthquakes, is usually not included in standard homeowners insurance policies. Earthquake coverage is often considered an additional rider or separate policy that homeowners must purchase to protect against seismic events, making it a specific exclusion from typical homeowners policies. Understanding this helps in recognizing the importance of reviewing policy terms and potentially obtaining additional coverage depending on geographical risks.