Which of the following is typically excluded from property insurance?

Earthquake damage is typically excluded from standard property insurance policies, making this the correct answer. In many regions, insurers have specific clauses or endorsements that address earthquake coverage, given the potential severity and frequency of such events in certain areas. Therefore, most standard property policies do not automatically include protection against earthquake-related damages, necessitating the purchase of separate earthquake coverage for those who want such protection.

On the other hand, fire damage, theft, and water damage from burst pipes are generally covered under standard property insurance policies. While limitations and specific conditions may apply, these types of damages are commonly included in most property insurance offerings. Understanding these exclusions helps consumers make informed decisions about the coverages they need and whether they should seek additional policies or endorsements to protect against specific risks related to natural disasters like earthquakes.