Which of the following is NOT a standard peril covered in a homeowners policy?

Homeowners policies typically cover a range of standard perils that can cause damage to a home and its contents. Among these common perils are fire, theft, and windstorm, all of which are generally included in standard homeowners insurance coverage.

Earthquake is not one of the standard perils covered by most homeowners policies. Instead, to protect against earthquake damage, homeowners need to purchase a specific earthquake insurance policy or an endorsement that can be added to their existing homeowners policy. This is due to the distinct nature of earthquake damage and the higher risk associated in certain areas, which necessitates a separate policy. Understanding this distinction helps homeowners ensure they have comprehensive coverage for potential risks associated with the location of their property.