Which event is likely not covered under a standard homeowners insurance policy?

Flood damage to the basement is likely not covered under a standard homeowners insurance policy because these policies typically exclude flood damage. Homeowners insurance is designed to protect against risks such as fire, theft, and vandalism, but flooding is generally considered a separate risk that requires a different type of insurance, often referred to as flood insurance. Flood insurance must be purchased through the National Flood Insurance Program (NFIP) or a private insurer.

In contrast, vandalism and theft of belongings are usually covered under standard homeowners policies, as they relate to damage or loss caused by criminal acts. Accidental damage caused by guests might also be covered, depending on the specific policy provisions or endorsements.