What types of perils are typically excluded from a standard homeowners policy?

A standard homeowners policy covers a variety of risks, but it also includes certain exclusions. Flood and earthquake are commonly excluded perils because they are considered to be high-risk events that require separate specialized insurance coverage. Homeowners policies typically do not cover intentional acts, as these are not deemed to be fortuitous events; insurance is designed to protect against accidental losses and not deliberate damage.

In contrast, perils like fire, theft, and vandalism are generally covered by a homeowners policy, as they are considered typical risks that homeowners face. Windstorm, hail, and tornadoes often fall under covered perils, particularly in standard or extended coverage policies. Nature-related events like the snowstorm mentioned in another option may also be covered unless specifically excluded.

Understanding these exclusions is crucial for homeowners, as it helps them recognize potential gaps in their coverage and consider additional policies or riders to protect against these specific risks.