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

Standard homeowners insurance typically provides coverage for fire damage to the house, theft of personal property, and liability for injuries to guests. However, flood damage is generally not included in a standard homeowners policy. Instead, flood coverage is often excluded and requires a specific flood insurance policy or an endorsement to the homeowners policy.

This is due to the high risk and potential severity of flood damage, which varies greatly by location; insurance companies often seek to limit their exposure to this type of risk. Therefore, homeowners in flood-prone areas are encouraged to seek additional coverage through dedicated flood insurance programs. Understanding these nuances in coverage is crucial for homeowners to ensure they protect their assets comprehensively.