Which of the following would not be a covered loss under a standard homeowners policy?

Damage from a nuclear event would not be a covered loss under a standard homeowners policy because most homeowners insurance policies specifically exclude losses resulting from nuclear incidents. These types of risks are considered too severe and catastrophic for standard insurance products, which is why special insurance or governmental programs are often required to cover such damages.

In contrast, vandalism, fire, and water damage from a burst pipe are typically covered under standard homeowners insurance policies. Vandalism would fall under the category of property damage caused by criminal acts, fire damage is one of the primary coverages for homeowners policies, and water damage from a burst pipe is generally included as part of the coverage for sudden and accidental damage to the home.