Which of the following is NOT considered under general exclusions in a homeowners policy?

In a homeowners policy, fire damage is typically covered rather than excluded. This means that if a homeowner experiences a fire that causes damage to their property, their insurance is generally designed to provide financial assistance for the repair or replacement of the damaged items. Fire damage is one of the primary risks that homeowners insurance aims to mitigate, as it is a common peril that can lead to substantial financial loss.

In contrast, power failure, water damage, and intentional loss are often excluded from coverage. Power failures might result in spoilage of food or damage to appliances, but the policy typically won’t cover these occurrences. Water damage may refer to various types of issues, such as flooding which often has exclusions in standard policies, and intentional loss denotes damage or claims resulting from actions taken knowingly by the insured, which also falls outside the policy's coverage parameters. Therefore, fire damage is the clear exception among the listed options, making it the correct answer.