Which types of insurance policies do NOT provide coverage for flood damage?

Standard homeowners policies generally do not provide coverage for flood damage. Typically, these policies cover risks such as fire, theft, vandalism, and storms, but they specifically exclude flood damage. Homeowners are often encouraged to purchase separate flood insurance policies through the National Flood Insurance Program (NFIP) or private insurers to protect against losses that may result from flooding.

While all-risks policies cover a broad range of potential damages, they still usually exclude floods unless specifically endorsed. Comprehensive auto policies do cover damage from various perils, including flooding, but this is related to vehicles rather than property. Earthquake insurance policies focus on providing coverage for damages caused by earthquakes and do not cover flood-related damages. Thus, the correct choice highlights a common gap in standard homeowners policies regarding flood protection.