Which type of coverage is typically not included in a standard homeowners policy?

A standard homeowners policy typically includes various types of coverage, such as liability, fire, and theft coverage, which protect the homeowner against a range of risks. However, earthquake coverage is generally not automatically included in standard homeowners insurance.

This distinction arises because earthquake damage is considered a separate risk that may not occur frequently in all regions, leading insurers to offer it as an optional endorsement or a separate policy. Homeowners in areas prone to earthquakes may need to purchase this coverage separately to be adequately protected, thus underscoring its exclusion from the typical homeowners policy.

Liability coverage protects against claims of bodily injury or property damage to others, fire coverage provides protection for damages resulting from fire, and theft coverage offers financial reimbursement for stolen personal property. All these are standard components of a typical homeowners insurance policy, making the absence of earthquake coverage the notable exception.