Which of the following is NOT automatically covered under the basic form of insurance?

Water damage is not automatically covered under the basic form of insurance because most basic homeowners insurance policies typically cover perils such as fire, vandalism, and, in many cases, theft. However, water damage often requires separate endorsements or specialized policies, as it can arise from different sources (like flooding) that are not included in the standard coverage. Basic policies may offer limited coverage for certain types of water damage, such as sudden and accidental discharge from plumbing, but generally, broader coverage like flooding is not included. Therefore, a policyholder would need to specifically add a water damage endorsement or buy a separate flood policy to ensure coverage against this peril.