Answer:
D) earthquakes and water damage
Step-by-step explanation:
Earthquakes and water damage are difficult to predict and cause major damage to property. Also, it is difficult to protect a property against such damage.
Because of this destructive power, the damage caused by the earthquake and water is very expensive for insurance companies. The price is so high that it provides no profit for the companies, causing many economic losses. For this reason, earthquakes and water damage are not essential components of a standard homeowners insurance policy.