Which of the following perils is typically NOT covered by basic homeowners forms like HO-2?

Basic homeowners forms, such as HO-2, are structured to cover a variety of common perils that can cause damage to a home and its contents. However, there are specific exclusions in place that limit coverage for certain risks.

Earth movement, which includes events such as earthquakes, landslides, and mudflows, is a significant peril that is typically excluded from standard homeowners insurance policies like HO-2. The rationale behind this exclusion is that events related to earth movement can lead to massive destruction and loss, which would be financially unfeasible for most insurance companies to cover under standard terms.

In contrast, perils like fire, theft, and windstorm/hail are usually included in the list of covered risks under HO-2. Fire is one of the most common and significant dangers for homeowners, making it essential to provide coverage. Similarly, theft is also a prevalent risk, and policies are designed to cover personal property losses due to theft. Windstorm and hail are common weather-related risks that could severely damage the home, which is why basic forms include coverage for these perils.

In summary, earth movement is not covered by basic homeowners forms like HO-2, while fire, theft, and windstorm/hail receive coverage to