Which of the following is typically excluded from standard home insurance policies?

Flooding is typically excluded from standard home insurance policies due to the high risk and potential for significant loss that flood-related damage can cause. Insurers generally consider flood damage to be a distinct peril that requires separate coverage, usually through a specialized flood insurance policy provided by entities like the National Flood Insurance Program (NFIP) in the United States.

In contrast, the other perils listed—fire damage, theft, and vandalism—are commonly included in standard homeowners policies. This means that homeowners have default coverage for these risks, subject to policy limits and deductibles. Recognizing this distinction helps homeowners understand the importance of considering additional coverage options for risks that may not be included in their standard policies, such as flooding.