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

A standard homeowners policy is designed to cover various types of damage to a property and personal belongings, as well as liability for injuries that may occur on the property. However, certain specific risks are typically excluded from standard policies.

Damage from a nuclear event is not covered under a standard homeowners policy because it falls under a category of exclusions due to the catastrophic potential and widespread impact associated with nuclear incidents. Insurance providers generally classify such risks as uninsurable, leading to the development of specific policies or government programs to address nuclear-related damage.

In contrast, vandalism damage, fire damage, and water damage from a burst pipe are commonly covered perils under most homeowners policies. These types of damage are considered typical risks that homeowners may face and are usually insurable.