Which peril is typically NOT covered by a standard homeowner’s insurance policy?

A standard homeowner’s insurance policy typically excludes flood damage as a covered peril. This is largely due to the nature of flood damage, which is often seen as a widespread and natural disaster, requiring special coverage through a separate flood insurance policy. Homeowners are usually advised to consider additional flood insurance, especially if they live in areas prone to flooding.

In contrast, vandalism, fire damage, and theft are generally included in a standard homeowner's policy. These types of damage are regularly encountered in the context of homeownership and are considered standard risks that insurers are prepared to manage as part of the coverage. This distinction is important for homeowners to understand when assessing their risk exposure and ensuring they have adequate insurance coverage in place.