Which of the following is NOT typically covered by a standard homeowner's insurance policy?

A standard homeowner's insurance policy typically covers several types of risks associated with property ownership, including fire damage to the home, theft of personal property, and liability for injuries that occur on the property. However, flood damage is not included in the standard coverage of a homeowner's insurance policy. This is because floods are considered a separate peril that requires specialized coverage.

Flood insurance is usually purchased through a separate policy, often provided by the National Flood Insurance Program (NFIP) or private insurers. Homeowners in flood-prone areas, particularly those that have been identified as high risk, are encouraged to obtain this separate coverage to protect their property from potential water damage due to flooding events. Thus, flooding is an exclusion in standard homeowner's policies, making it the correct answer in this context.