Which of the following is covered under a standard homeowner's insurance policy?

A standard homeowner's insurance policy typically includes personal liability coverage, which protects the homeowner if they are held legally responsible for bodily injury or property damage to others. This type of coverage can provide financial protection in situations where someone is injured on the homeowner's property or if the homeowner accidentally causes damage to someone else's property.

In contrast, flood damage is generally not covered under standard homeowner's insurance policies, as it usually requires a separate flood insurance policy. Intentional damage is also not covered since insurance policies exclude claims arising from deliberate actions taken by the insured. Wear and tear falls under the category of maintenance issues and is not covered because insurance policies do not cover damage that occurs over time due to normal use or aging of property. Thus, personal liability stands out as the correct answer, as it's a vital component of homeowner's insurance, providing necessary protection for unexpected incidents involving third parties.