Which of the following is an exclusion commonly found in insurance policies?

Exclusions in insurance policies are specific conditions or circumstances for which coverage will not be provided. Earthquakes are commonly categorized as exclusions in many insurance policies, especially standard homeowners insurance. This is largely due to the high cost of claims that arise from earthquake damage and the unpredictability associated with such events. As a result, policyholders often need to purchase separate earthquake insurance if they want coverage for damage incurred from seismic activity.

Fire damage, theft, and property damage typically fall within the purview of standard coverage in most insurance policies, as they are common risks that individuals and businesses face. Therefore, while those may be included in insurance coverage, earthquakes are a notable exclusion that policyholders should be aware of when reviewing their insurance options.