Which coverage is typically not included in a standard homeowner's insurance policy?

Homeowner's insurance policies provide a variety of coverage options to protect homeowners from different types of risks. However, earthquake insurance is generally not included in a standard homeowner's insurance policy. This type of coverage is often an optional add-on or a separate policy that homeowners must purchase if they want protection against earthquake damage.

The reason for this exclusion is that earthquake risk varies significantly by geographic location, and, in many areas, insurers view earthquake risks as too high to include as a standard coverage. As a result, homeowners need to assess their specific risk and decide if additional coverage is necessary.

In contrast, standard homeowner's insurance policies typically include loss of use, which covers additional living expenses if the home becomes uninhabitable due to a covered event, personal property floater for covering personal belongings, and liability coverage to protect against injury claims or property damage that the insured may cause to others. These aspects combine to offer comprehensive protection for a homeowner’s property and financial liability, while earthquake coverage requires separate consideration.