Which of the following is NOT typically covered by property insurance?

Property insurance is designed to cover a range of perils that can cause damage to physical assets. However, the coverage specifications can vary significantly depending on the type of policy and its exclusions.

Earthquake damage is often excluded from standard property insurance policies, which is why the choice regarding earthquake damage is correct. Many property insurance policies have specific terms that either exclude earthquake damage altogether or require an additional premium for coverage. This distinction emphasizes the importance of understanding what perils are included in a typical policy versus what may require separate coverage.

In contrast, fire damage, theft, and vandalism are commonly covered under many standard property insurance policies. These perils are considered typical risks that homeowners and property owners face, and insurance products are structured to provide financial protection against them. Therefore, the clarity regarding earthquake damage, typically highlighted as an exclusion without a specified rider or endorsement, makes it the accurate choice for what is not typically covered by standard property insurance.