Which of the following is a covered peril under a standard homeowners policy?

Theft is indeed a covered peril under a standard homeowners policy. Homeowners insurance is designed to protect against various risks that could cause damage to the dwelling or loss of personal property. One of the common perils included in these policies is theft, which encompasses the unlawful taking of personal belongings from within the insured premises.

This coverage for theft helps ensure that homeowners have financial protection against losses resulting from burglaries or other forms of theft, regardless of whether the items were taken from the home or other locations, as long as the circumstances fall within the policy's guidelines.

On the other hand, landslides, earthquakes, and floods are typically not covered under a standard homeowners policy. These perils often require separate insurance policies or endorsements due to the significant risk and potential for large-scale damage they can cause. For example, homeowners living in areas prone to earthquakes would need to purchase additional earthquake insurance, while flood insurance is often offered through the National Flood Insurance Program (NFIP) and is separate from standard homeowners policies.