Which of the following is considered a general exclusion in homeowners insurance?

Homeowners insurance policies often contain specific exclusions that clarify what is not covered by the policy. Flood is commonly considered a general exclusion because it typically requires separate flood insurance. Most standard homeowners insurance policies do not cover damages related to flooding, as this type of risk is seen as high and more predictable, calling for specialized coverage through the National Flood Insurance Program or private insurers that specialize in flood risks.

This distinction is important for homeowners to understand, as relying solely on a standard homeowners insurance policy may leave them unprepared for certain types of water damage caused by flooding. Therefore, recognizing flood as a general exclusion helps highlight the necessity for additional coverage in areas prone to such risks.