Which of the following events would typically not be covered under a standard homeowners insurance policy?

A standard homeowners insurance policy generally provides coverage for a range of perils, but it typically excludes certain types of damage, one of which is earthquake damage. This exclusion is significant because earthquakes are considered geological events that can cause severe damage, and the risk associated with them can be high. As a result, insurers often require a separate earthquake insurance policy for homeowners who wish to have coverage for such events.

Fire, theft of personal property, and vandalism are usually covered under a standard homeowners insurance policy. Fire damage is one of the primary risks that homeowners insurance is designed to protect against. Similarly, theft of personal property is a common occurrence, and policies often include coverage for this loss. Vandalism is also typically covered, as it falls under the realm of property damage.

In contrast, the need for additional coverage for earthquakes stems from the fact that they pose unique risks not adequately addressed by standard homeowners policies. This is why earthquake damage is identified as something that would not be covered under a conventional homeowners insurance plan.