Which of the following would likely not be covered by homeowners insurance?

Homeowners insurance typically provides coverage for a variety of risks that can affect a home and its contents, including fire damage, theft, and vandalism. However, earthquake damage is usually not included as a standard coverage within a typical homeowners insurance policy. Instead, it often requires a separate earthquake policy or an endorsement that can be added to the standard policy.

Standard homeowners insurance focuses on more common risks, and natural disasters such as earthquakes, floods, and some other catastrophic events frequently necessitate additional coverage options due to their specific and potential extensive damage. This distinguishes earthquake damage from the other options listed, which are generally encompassed within the standard homeowners insurance coverage.