Which of the following is NOT typically covered by a standard homeowners insurance policy?

A standard homeowners insurance policy generally provides coverage for a variety of risks associated with homeownership and personal liability. This includes personal property, which covers the belongings inside your home, such as furniture, electronics, and clothing. Additionally, liability claims are typically covered, protecting the homeowner against legal claims for injuries or damages caused to others on their property. Medical payments are also included, offering coverage for medical costs if someone is injured on your property, regardless of fault.

However, flood damage is not typically covered by a standard homeowners insurance policy. Homeowners must seek separate flood insurance through the National Flood Insurance Program or private insurers to be protected against flood-related losses. This distinction is crucial as water damage from a flood can lead to significant losses that homeowners would not be compensated for under their standard policy. Understanding this aspect of homeowners insurance is essential for proper risk management and financial planning in relation to homeownership.