Which of the following is typically excluded from coverage in a standard homeowners insurance policy?

In a standard homeowners insurance policy, flood damage is typically excluded from coverage. Homeowners insurance is specifically designed to protect against common risks such as fire, theft, and personal liability, which means those coverages are generally included in such policies. However, flood damage is often considered a separate peril that requires a distinct flood insurance policy.

Flood damage is categorized differently because it can result from a variety of sources, including heavy rainfall or melting snow, and is associated with higher risks that are often not adequately covered by a standard policy. This distinction is important for homeowners to understand, as it underscores the necessity of obtaining additional insurance, such as a separate flood policy, if they live in areas prone to flooding.