Which of the following is NOT typically covered under a standard homeowners insurance policy?

A standard homeowners insurance policy generally covers various perils related to property and liability. It includes fire damage to the home, which protects the structure from losses due to fire. Theft of personal property is also covered, allowing policyholders to recover losses incurred from stolen items. Liability coverage is crucial as it protects homeowners against legal claims for injuries sustained by others on their property.

However, flood damage is typically excluded from standard homeowners insurance policies. This means property owners must seek separate flood insurance to be protected against losses caused by flooding events. This exclusion is important to acknowledge because flooding can lead to significant financial losses, and homeowners should plan accordingly to ensure they have the necessary coverage. Thus, this clarifies why flood damage is not covered under a standard homeowners insurance policy.