Which of the following is typically excluded from a standard Homeowners Policy?

The standard Homeowners Policy includes several coverages, but certain risks are typically excluded to manage potential losses effectively. Earthquake damage is one such exclusion. Most standard Homeowners Policies do not cover damage from earthquakes. Homeowners living in areas prone to seismic activity often need to purchase a separate earthquake endorsement or policy to ensure they are covered for this specific risk.

On the other hand, personal property, liability coverage, and additional living expenses are generally included in a standard Homeowners Policy. Personal property coverage protects belongings within the home, liability coverage provides protection against claims due to injury or property damage, and additional living expenses cover costs incurred if the home becomes uninhabitable due to a covered loss. Understanding these distinctions is key to recognizing the limitations and coverage options available in a Homeowners Policy.