Which type of insurance does not typically cover flood damage?

Homeowners insurance generally does not cover flood damage, which is an important aspect for property owners to understand. Standard homeowners policies typically provide coverage for various hazards such as fire, theft, and certain types of water damage, but they exclude flood damage specifically. Flood peril coverage is often considered a separate policy and is usually provided through the National Flood Insurance Program (NFIP) or private flood insurance providers.

In context, health insurance, life insurance, and auto insurance are structured to cover health-related expenses, life benefits for beneficiaries, and vehicle-related incidents, respectively, and do not pertain to property damage associated with flooding. Hence, homeowners must seek additional coverage or policies dedicated to flood protection to ensure their property is adequately insured against such risks.