What type of property is typically not covered by standard homeowner's insurance?

Standard homeowner's insurance policies generally provide coverage for an individual's primary residence, including the home itself and personal property within it, under specific conditions. However, vacant properties are often excluded from standard coverage due to the increased risk associated with unoccupied homes. When a property is vacant, it is more susceptible to theft, vandalism, and undetected maintenance issues, which is why insurers may impose limitations or entirely exclude coverage for such situations.

In contrast, primary residences are typically covered, special collections may be insurable with appropriate endorsements or separate policies, and rental properties may have specialized insurance options tailored to their unique risks. Vacant properties create a situation where the boundaries of risk assessment lead to exclusions in standard homeowner’s policies, making this the correct answer.