Which of the following is NOT typically included in a homeowners insurance policy?

Homeowners insurance policies commonly include several types of coverage such as liability coverage, loss of use coverage, and personal property coverage. Liability coverage protects homeowners from legal responsibilities for injuries or damages to others, loss of use coverage provides funds for temporary housing and living expenses if the home becomes uninhabitable due to a covered loss, and personal property coverage safeguards the homeowner's belongings against damage or theft.

Flood damage coverage, however, is generally not included in standard homeowners insurance policies. Homeowners in areas at risk of flooding are usually advised to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or through private insurers. This distinction is essential for homeowners to understand, as relying solely on homeowners insurance without adequate flood protection can result in significant financial loss in the event of a flood.