Which of the following is NOT typically covered by homeowners insurance?

Homeowners insurance is designed to provide financial protection against various types of damage and losses related to a home and its contents. However, it typically does not cover flood damage, even if the flooding is caused by heavy rain. This is because flood damage usually falls under a separate category of insurance, often requiring a specific flood insurance policy, particularly in areas prone to flooding.

In contrast, breakage of windows due to vandalism, fire damage to the home, and theft of personal belongings are generally covered under standard homeowners insurance policies. Vandalism falls under coverage for property damage, while fire damage is typically included under the dwelling coverage part of the policy. Theft is covered under personal property protection.

Thus, among the given choices, flood damage is excluded, making it the correct answer as something typically not covered by homeowners insurance.