What type of coverage is typically excluded from a standard homeowners policy?

A standard homeowners policy usually includes coverage for a range of perils, such as fire damage and main structure damage, which are fundamental to protecting the property. However, certain types of coverage are typically excluded due to their high risk or the need for specialized insurance.

Flood damage is commonly excluded from standard homeowners policies, requiring separate flood insurance to be purchased. Similarly, earthquake damage is also typically not covered by standard homeowners policies and often necessitates an additional earthquake endorsement or a separate policy altogether. Since earthquake coverage is not automatically included, this exclusion underlines the need for homeowners to consider additional coverage options in regions prone to seismic activity.

Understanding these exclusions is essential for homeowners to ensure they have adequate protection for their specific risks. While fire and main structure damages are integral to homeowners coverage, natural disasters like earthquakes require separate coverage strategies.