A homeowners policy would typically cover:
A. Theft in a dwelling under construction.
B. Vandalism within 30 days of vacancy.
C. Loss caused by birds and domestic animals.
It would typically NOT cover:
D. Damage by a flood.
Flood damage is specifically excluded in most standard homeowners policies. Homeowners would need to purchase a separate flood insurance policy through the National Flood Insurance Program to be covered for flood losses.
So the answer is:
A. Theft in a dwelling under construction.
B. Vandalism within 30 days of vacancy.
C. Loss caused by birds and domestic animals.