Which of the following is typically excluded from dwelling policies?

In dwelling policies, earthquake damage is typically excluded because standard dwelling policies are designed to cover a wide range of perils, but they generally do not include certain high-risk events, and earthquakes are considered to be among them. This exclusion is primarily due to the catastrophic nature of earthquakes, which can cause widespread destruction and result in extremely high costs for insurers. As a result, coverage for earthquake damage usually requires a separate policy or an endorsement specifically for earthquake coverage, reflecting the unique risks and underwriting concerns associated with these events.

Windstorm damage, fire damage, and theft damage are generally covered under standard dwelling policies, although there may be specific conditions or limitations applying to those coverages. Understanding these distinctions helps insured individuals to accurately assess the risks they face and to seek additional coverage if necessary to ensure complete protection of their dwelling.