What type of insurance coverage is typically not included in standard homeowners insurance?

Homeowners insurance typically provides coverage for a variety of risks, including fire damage, personal property damage, and vandalism protection. However, earthquake damage is often excluded from standard homeowners insurance policies. This is because earthquakes can lead to significant and costly damages, which insurers typically categorize as a distinct risk requiring separate coverage.

To cover earthquake damage, homeowners usually need to purchase a separate earthquake insurance policy or an endorsement to their existing policy. This distinction is important for property owners to understand, as many may assume that their homeowners insurance will protect them against all types of natural disasters, when in fact, specific events like earthquakes require additional coverage.