Which of the following is typically NOT covered by a Homeowners Policy?

A Homeowners Policy generally includes coverage for a variety of incidents that may affect the homeowner's property and liability. However, flood damage is typically excluded from standard homeowners insurance policies. Instead, flood coverage must be obtained through separate flood insurance policies, such as those provided by the National Flood Insurance Program (NFIP) or private insurers.

Personal property damage, legal liability, and coverage for detached garages are commonly included within homeowners policies. Personal property damage protects the homeowner's belongings, while legal liability provides coverage in case someone is injured on the property and the homeowner is found responsible. Additionally, detached structures, like garages or sheds, often have coverage under the homeowners policy as long as they are noted in the policy.