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Question: 1 / 400

Which of the following is a common exclusion found in homeowners insurance policies?

Theft of personal belongings

Flood damage

Flood damage is commonly excluded in homeowners insurance policies because it is considered a separate risk that requires specific flood insurance coverage. Standard homeowners policies typically protect against a range of perils such as theft, fire damage, and personal liability, which is why those options are not correct in this context.

Homeowners insurance is designed to cover certain types of risks, and while it includes coverage for many incidents, floods are generally not one of them. This is due to the frequency and severity of flood events, which can lead to significant loss for insurers. Consequently, to further protect property owners, flood insurance is often made available through the National Flood Insurance Program (NFIP) or private insurers, allowing them to purchase coverage specifically tailored for flood-related damages.

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Fire damage

Personal liability coverage

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