Which of the following losses would be covered by an unendorsed homeowners policy?

An unendorsed homeowners policy typically provides coverage for a range of perils, and one of the most fundamental protections included in these policies is coverage for damage caused by fire or lightning. This type of damage is universally recognized as a standard peril covered under homeowners insurance, meaning that if a fire occurs, whether it's from external sources or an internal malfunction, the policyholder is likely to receive financial compensation for the resulting damages to their home and possessions.

In contrast, the other options present scenarios that would not be covered under a standard homeowners policy without additional endorsements or specialized coverage. For example, faulty or defective zoning is usually considered an issue of poor planning or compliance and falls outside the typical scope of property loss coverage. Similarly, theft occurring in a structure under construction may not be covered due to the policy's stipulations regarding occupancy and security of property. Lastly, damage from an earthquake is typically excluded from standard homeowners insurance and requires a separate earthquake endorsement for coverage.