Which coverage is typically NOT included in a standard homeowners policy?

A standard homeowners policy is designed to provide a comprehensive range of coverage for various risks associated with homeownership. Fire coverage, theft coverage, and liability coverage are typically included in a homeowners insurance policy. These cover common risks: fire damage to the home and personal belongings, theft of personal property, and liability protection that covers legal liability for injuries or damages to others on your property.

However, earthquake coverage is usually not included in a standard homeowners policy. This is because earthquakes are specific natural disasters that carry unique risks and potential for significant loss. Insurers commonly regard earthquake damage as an additional risk that requires a separate, specialized policy or endorsement. Homeowners in areas prone to seismic activity are often encouraged to consider purchasing this additional coverage to ensure they are adequately protected against such events.