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Insurance · Perils and Exclusions

Which of the following is typically EXCLUDED from a standard homeowners policy and requires separate coverage?

Reviewed by Jordan Morley, Editorial Lead at 247SimpleTests. Written by the 247SimpleTests Editorial Team from the official source material cited on every question.

Correct answer

Flood damage

  1. A Theft
  2. B Fire damage
  3. C Windstorm damage
  4. D Flood damage

Why this is the answer

FLOOD DAMAGE is typically EXCLUDED from standard homeowners policies and requires SEPARATE flood insurance (often through the National Flood Insurance Program/NFIP or private flood insurers). Property insurance/exclusions. EARTHQUAKE is also commonly excluded (requires separate earthquake coverage). Standard homeowners policies DO typically cover fire, theft, windstorm/hail, lightning, and many other perils.

Common exclusions: flood, earthquake, normal wear and tear, intentional damage, neglect, war, and certain others. Homeowners in flood-prone areas need separate flood insurance. Knowing that flood (and earthquake) are excluded from standard homeowners policies and need separate coverage is a heavily tested property insurance concept.

Source: Property Insurance — Common Exclusions (Flood)

Practice more questions

This question is from our Insurance License Practice Tests practice test. Take the full practice test to test your knowledge across all Perils and Exclusions and other topics.

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About this topic: Perils and Exclusions

Perils and exclusions questions ask what a form covers and what it does not — fire, windstorm, theft, vandalism versus flood, earthquake, wear and tear, intentional loss — and the endorsements that buy back excluded perils. This is one of 9 Property Insurance questions on perils and exclusions, each with a full explanation on a single study page.

New to this exam? Our Insurance exam guide explains the format, scoring, and how to prepare.

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