Which of the following is typically not covered by homeowners insurance?

Homeowners insurance is designed to provide coverage for a range of risks associated with homeownership, including events such as fire damage, theft, and vandalism. Fire damage is typically included under the dwelling coverage, which protects the home and its contents against fire-related losses. Theft, as a personal property risk, is also generally included, offering protection for stolen items. Vandalism is covered under most homeowners policies, providing insurance against damage inflicted on the home and property by malicious acts.

However, earthquake damage is often treated differently. Many standard homeowners insurance policies exclude coverage for damages caused by earthquakes. This is because earthquakes are considered a significant, unpredictable natural disaster that presents a higher level of risk. As a result, homeowners in earthquake-prone areas are often encouraged to purchase separate earthquake insurance to ensure they are adequately protected against this specific type of damage. This distinction makes earthquake damage the correct answer to the question regarding what is typically not covered by homeowners insurance.