Which of these perils is NOT excluded from coverage in a homeowners policy?

In a typical homeowners policy, coverage for lightning strikes is explicitly included as a covered peril. This means that if lightning damages your home or possessions, the insurance company is responsible for covering those losses, assuming all other conditions of the policy are met.

In contrast, earth movement and nuclear war are specifically excluded from coverage. Earth movement encompasses events like earthquakes and landslides, which most policies do not cover unless a separate endorsement is purchased. Water damage can vary; some types of water damage, such as flooding or seepage, may also be excluded or require separate coverage. Therefore, while there may be specific conditions under which some water damage is covered, it is not as generally inclusive as lightning, which is always covered in standard homeowners policies.