Homeowners Policy (HO)Question 115 of 474
Which of the following losses is EXCLUDED under a standard homeowners policy without an additional endorsement or separate policy?
a.Theft of a laptop from the home while the family is away for the weekend
b.Fire damage to the kitchen
c.Wind damage to the roof shingles during a Santa Ana windstorm
d.Flood damage from a nearby river overflow
Explanation
Flood, including surface water and the overflow of streams or rivers, is excluded under every standard homeowners form. Flood is insured separately through the National Flood Insurance Program (NFIP) or a private flood insurer.
Law Reference: ISO HO form Section I exclusionsThis topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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