Which of the following is not typically a covered peril in a standard homeowner's insurance policy?

Homeowner's insurance policies generally cover a range of perils, including fire, theft, and windstorms. However, floods are typically not included as standard coverage in these policies. Instead, flood insurance is usually provided through a separate policy, often backed by the National Flood Insurance Program (NFIP). This is because flooding can pose significant risks that are considered higher than what is generally found in other types of hazards covered by standard homeowner's insurance.

Many homeowners are unaware that they need to purchase additional flood coverage if they live in areas prone to flooding. Therefore, the distinction between a covered peril in a standard homeowner's insurance policy and those requiring separate insurance, such as floods, is crucial for proper risk management.