What is typically not included in standard homeowners policies?

Flood damage is typically excluded from standard homeowners policies because such coverage is considered a separate risk that requires a distinct type of insurance, usually a flood insurance policy provided by the National Flood Insurance Program (NFIP) or private insurers. Homeowners insurance is designed to cover perils like fire, theft, and vandalism, but flooding, often seen as a higher risk that varies considerably by location, is not automatically included in these policies.

Personal property coverage, liability protection, and dwelling coverage are key features of standard homeowners insurance policies, designed to provide comprehensive protection for the homeowner's residence and personal belongings. Therefore, it is essential for homeowners in flood-prone areas to obtain additional flood insurance to ensure they are adequately protected against damage caused by flooding.