Which of the following perils is typically NOT covered in a dwelling policy?

In a dwelling policy, earthquake damage is typically not covered. Dwelling policies are designed to provide coverage for specific perils that can cause damage to a home, such as fire, windstorm, and theft. Fire and windstorm are commonly included as standard perils, as they are frequent risks to homeowners. Theft may also be included, depending on the specifics of the policy and any endorsements that may be added.

Earthquakes, however, are considered separate hazards and require additional coverage through a specific earthquake endorsement or a separate earthquake insurance policy. This distinction is important because earthquakes can result in significant damage, but insurance companies generally approach this risk differently, often necessitating specific policies or riders to address it. As a result, it is crucial for policyholders in earthquake-prone areas to seek out this additional coverage, since it is not inherently included in standard dwelling policies.