Which type of damage is typically excluded from coverage in a homeowners policy?

The exclusion of flood damage from a homeowners policy is consistent with standard insurance practices. Homeowners insurance generally covers various types of damages, such as those resulting from fire, theft, or water damage caused by internal plumbing issues like a burst pipe. However, flood damage is often excluded because it is considered a different risk category that can be more widespread and catastrophic. To protect against flood-related losses, homeowners typically need to purchase a separate flood insurance policy, usually available through the National Flood Insurance Program (NFIP). This distinction is important for homeowners to understand when assessing their insurance needs and potential vulnerabilities.