Under homeowners insurance, which of the following is typically excluded from coverage?

Homeowners insurance policies are designed to cover a range of perils that could damage a home or its contents; however, certain types of damage are specifically excluded. Flood damage is typically one of those exclusions. Instead of being covered under standard homeowners insurance, flood protection requires a separate policy, usually through the National Flood Insurance Program (NFIP) or a private flood insurance carrier.

This is an important distinction as many homeowners assume that their homeowners insurance will automatically cover all types of water damage, but standard provisions often limit coverage significantly when it comes to flooding. Understanding these exclusions helps homeowners make informed decisions about their insurance needs and consider additional coverage where necessary.