Which of the following is NOT typically covered under standard home insurance?

Flood damage is not typically covered under standard home insurance policies. Homeowners insurance generally provides coverage for various perils, including fire damage, theft, and liability claims, as part of the basic coverage. However, flooding is considered a separate risk. The majority of standard home insurance policies specifically exclude flood damage because it is often viewed as a high-risk exposure, requiring specialized coverage. Homeowners who reside in flood-prone areas are usually encouraged to purchase separate flood insurance through the National Flood Insurance Program (NFIP) or through private insurers to adequately protect their property against potential flood losses. Understanding this distinction is crucial for ensuring comprehensive coverage for one's home.