Which of the following is NOT typically covered under a standard homeowner's policy?

Damage caused by a flood is not typically covered under a standard homeowner's policy. Standard homeowner's insurance primarily protects against specific risks such as fire, theft, and liability for injuries occurring on the property. Flood insurance is usually a separate policy, often provided through the National Flood Insurance Program (NFIP) or a private insurer, due to the high risk and potential for significant damage associated with flooding. Homeowners in flood-prone areas must acquire this additional coverage to ensure they are protected against such perils. This distinction is important for homeowners to understand when assessing their insurance needs.