Which of the following is typically EXCLUDED from a standard homeowners policy?

Flood and earthquake are the two most significant standard exclusions in homeowners policies. Flood is typically defined as inundation from natural surface water (overflowing rivers, storm surge, accumulated rainwater) — though water damage from a burst pipe inside the home is covered. Flood coverage is available separately through the National Flood Insurance Program (NFIP) or some private insurers. Earthquake (including earth movement, landslides, mudflows) is excluded; coverage is available as a separate policy or endorsement, especially in earthquake-prone areas. Other common exclusions: war, nuclear hazard, intentional acts by the insured, neglect, ordinance or law (building codes that require costlier rebuild than the original), power failure originating off-premises, mold (with limited exceptions), wear and tear, vermin, and acts of government. Many exclusions can be added back by endorsement.