Which is a common exclusion in homeowners insurance?

A common exclusion in homeowners insurance policies is typically damage that arises from natural disasters such as earthquakes and landslides. Homeowners insurance mainly covers perils like theft, fire, and accidental water damage, but certain types of natural catastrophe damages are often excluded or require additional coverage in the form of separate policies or riders. This means that if a homeowner experiences damage from an earthquake or landslide, they would not be compensated under a standard homeowners insurance policy unless they had specifically purchased additional coverage for such events.

The other options reflect types of coverage generally included in a standard homeowners insurance policy. Fire damage from lightning strikes, accidental water damage from burst pipes, and stolen personal belongings are typically covered. Therefore, it's crucial for homeowners to be aware of these exclusions and consider obtaining additional insurance if they live in areas susceptible to earthquakes or landslides to ensure they are adequately protected.