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

Homeowners insurance is designed to cover various risks associated with property ownership, including liability, property damage, and certain medical expenses. While personal liability coverage provides protection against legal claims for injury or damage to others caused by the homeowner, property damage coverage protects the dwelling and personal belongings from risks like fire or theft. Medical payments coverage helps cover medical expenses for guests who are injured on the property.

Flood insurance, however, is typically not included in standard homeowners insurance policies. Instead, it is offered as a separate policy or through the National Flood Insurance Program (NFIP). Given the distinct nature of flood risks and the specific requirements for coverage—due to such risks varying significantly in geographic locations—flood insurance is intentionally excluded from standard homeowners insurance packages. This separation of coverage is essential for homeowners, as their risks and liabilities might require different types of insurance, tailored to their unique situations.