What is typically NOT included in a standard homeowners insurance policy?

In a standard homeowners insurance policy, coverage for natural disasters is typically not included as a default provision. While these policies usually cover a range of risks like fire, vandalism, and theft, they often exclude specific natural disasters such as floods or earthquakes. Homeowners may need to purchase separate policies or endorsements to be adequately covered for those perils.

Personal liability coverage, protection against theft, and dwelling coverage are integral components of a standard homeowners policy. Personal liability coverage protects homeowners from claims arising from injuries or damages to others that occur on their property. Protection against theft secures personal belongings within the home, and dwelling coverage provides financial protection for the structure itself. Understanding these distinctions is crucial for ensuring adequate coverage tailored to individual needs.