Which aspect is NOT commonly covered by a homeowners insurance policy?

Homeowners insurance is designed to protect policyholders from a variety of risks associated with home ownership, including a range of hazards that may damage the home or result in liability claims. However, specific types of coverage can be excluded from standard policies.

Flood damage is typically not covered under a standard homeowners insurance policy. Instead, it requires a separate flood insurance policy from the National Flood Insurance Program (NFIP) or a private insurer. This is largely due to the high risk and potential cost associated with flooding events, which have different risk profiles compared to other types of damage like fire, theft, or general liability.

In contrast, liability coverage for injuries on your property, personal property loss due to theft, and damage from fire are all standard inclusions in most homeowners policies, providing essential protections for homeowners against common risks. This differentiation highlights the importance of understanding the specific terms and conditions of homeowners insurance to ensure adequate coverage.