What is typically excluded from standard homeowner’s insurance policies?

In standard homeowner's insurance policies, natural disasters such as floods and earthquakes are typically excluded. This exclusion exists because these types of natural disasters can result in significantly higher levels of risk and loss, leading insurers to manage their exposure by not including them in basic policies.

To protect homeowners, separate insurance policies or endorsements can be purchased to cover specific risks like flood and earthquake damage. This approach allows homeowners to tailor their insurance coverage based on the level of risk associated with their geographical location and personal circumstances.

The other options, such as coverage for theft of personal property, liability for injuries on the property, and fire damage, are generally included in standard homeowner's policies, thus making them less relevant in this context.