A homeowner's insurance policy typically covers all but which of these?

Homeowner's insurance policies are designed to provide coverage for a range of risks associated with owning a home. However, they often exclude certain natural disasters from their standard coverage.

Flood coverage is commonly not included in a standard homeowner's insurance policy. This means that homeowners in regions prone to flooding may need to purchase a separate flood insurance policy to protect against damage caused by water rising from rivers, lakes, or other bodies of water.

In contrast, coverage for theft, fire, and a variety of other risks is typically included in standard homeowner's policies. Homeowners can usually rest assured that their possessions are protected from theft and that their property is insured against fire damage, making these options part of the core offerings of most homeowner's insurance plans.

Thus, understanding the limitations of a homeowner's policy regarding natural disasters like floods is crucial for homeowners to ensure they have adequate protection in place.