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

A standard homeowners insurance policy generally provides coverage for various types of damages and liabilities associated with homeownership. However, coverage for natural disasters such as earthquakes is not included in the standard policy. Instead, earthquake coverage is often offered as an additional policy or endorsement that homeowners must specifically purchase.

Personal belongings within the insured property, liability coverage for injuries to visitors, and protection against theft of personal property are typical components of a standard homeowners insurance policy. These features are meant to safeguard the policyholder’s assets and provide financial protection against common risks. In contrast, natural disasters like earthquakes pose a unique risk that requires separate considerations and coverage solutions, emphasizing the necessity for homeowners to evaluate their policies and supplement them as needed.