Which is not an essential component of a standard homeowners insurance policy? a) property reimbursement b) liability for accidents c) provisions for natural acts d) earthquakes and water damage

The correct answer is letter d. earthquakes and water damage.

Water Damage and Earthquakes are not covered by the Standard homeowners Insurance Policy, yet Earthquake and Flood Insurances can be purchasable in a separate insurance policy, together with a separate payable fee as well.