Which of the following perils is NOT covered under a homeowner's policy?

A homeowner's policy typically covers a variety of perils that can damage the home or cause loss of personal property, including fire damage, theft, and vandalism. However, coverage for animals, birds, and fish is generally excluded under standard homeowner's policies. This means that if these types of personal property are lost, damaged, or stolen, the policy would not provide coverage for the loss.

In this context, fire damage, theft, and vandalism are considered covered perils because they are common risks that a homeowner might face. For example, damage due to fire can arise from various causes, and theft pertains to the loss of personal belongings from the premises, while vandalism covers intentional damage to property. However, specific limits and exclusions apply to various items and situations, and personal property like pets or livestock typically does not receive the same coverage under a standard policy. This makes the coverage of animals, birds, and fish a notable exception.