Homeowners InsuranceQuestion 115 of 158
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
b.Fire damage to the kitchen
c.Wind damage to a roof from a 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 exclusionsPractice all 158 questions free — no signup required.
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