Which of the following is considered a peril covered under standard homeowners insurance?

Homeowners insurance is designed to provide coverage for a range of common risks, including damage to property and personal belongings. Among these, theft is explicitly covered under standard homeowners insurance policies. This means that if a theft occurs, the homeowner can file a claim for the loss of personal property taken during the incident.

The coverage for theft includes items that are usually kept within the premises such as furniture, electronics, clothing, and other personal belongings. This provision aims to protect homeowners against the financial impact of theft, recognizing that it is a prevalent risk.

In contrast, perils like earthquake and flood are typically not included in standard homeowners policies and require separate endorsements or specialized insurance due to their high potential for causing significant loss. Similarly, war is considered an uninsurable risk, making it excluded from coverage under standard policies. Understanding these distinctions is crucial for homeowners in assessing their insurance needs effectively.