Which of the following is typically EXCLUDED from a standard homeowners policy and requires separate coverage?

FLOOD DAMAGE is typically EXCLUDED from standard homeowners policies and requires SEPARATE flood insurance (often through the National Flood Insurance Program/NFIP or private flood insurers). Property insurance/exclusions. EARTHQUAKE is also commonly excluded (requires separate earthquake coverage). Standard homeowners policies DO typically cover fire, theft, windstorm/hail, lightning, and many other perils. COMMON EXCLUSIONS: flood, earthquake, normal wear and tear, intentional damage, neglect, war, and certain others. Homeowners in flood-prone areas need separate flood insurance. Knowing that flood (and earthquake) are excluded from standard homeowners policies and need separate coverage is a heavily tested property insurance concept.