Which policy typically does not cover damage caused by termites?

The standard fire policy is typically a basic form of property insurance that primarily covers loss or damage to property due to fire and certain other specific perils. It does not include coverage for pest infestations, such as termite damage, because these are not classified as sudden or accidental events. Instead, termite damage is often considered a maintenance issue or a result of neglect, which falls outside the scope of what fire insurance is designed to cover.

In contrast, homeowners policies often include provisions that cover certain types of pest damage, although specifics can vary by policy. Auto insurance typically pertains to vehicles and wouldn't be relevant to property damage, while liability insurance focuses on legal responsibilities rather than covering damage to property. Therefore, the standard fire policy stands out as the most appropriate answer in the context of this question.