Which of these perils is NOT excluded from coverage in a homeowners policy?

In a homeowners policy, fire damage is typically covered, making it one of the primary perils that policyholders buy insurance for. Homeowners insurance usually includes coverage for various risks, including fire, which can cause significant damage to a home and its contents.

On the other hand, other perils such as earthquake damage are commonly excluded from standard homeowners insurance policies, as earthquakes are considered high-risk events that require separate coverage. Water damage can also be a complex issue, as it might be included or excluded depending on the source; for example, flooding from natural bodies of water typically falls under a different policy. Windstorm damage can also be excluded in certain areas prone to hurricanes or severe weather, prompting the need for specialized coverage.

Thus, fire damage remains a core component of homeowners insurance, making it the correct answer in this context.