Which of the following is not typically covered under a standard homeowners insurance policy?

Homeowners insurance provides a variety of coverages to protect a policyholder’s home and belongings. Personal liability for injuries is included to safeguard against legal claims for bodily injury or property damage that the policyholder may incur. Damage from fire is also covered under standard homeowners policies, as it protects the dwelling from various types of perils. Similarly, theft of personal belongings is included to reimburse policyholders for losses incurred due to theft.

However, homeowners association fees are typically not covered under a standard homeowners insurance policy. These fees are charges that property owners pay to their association for maintenance and services related to common areas and amenities, rather than for coverage of personal property or liability. Thus, homeowners must budget for these fees separately as they are an additional financial obligation not addressed by standard insurance policies.