New York Independent General Adjuster Practice Exam 2025 – All-in-One Guide to Exam Success!

Homeowners insurance is designed to provide coverage for several risks associated with owning a home, but it typically does not include protection against damage caused by flooding. Flood damage usually requires a separate flood insurance policy, often offered through the National Flood Insurance Program (NFIP). This separation is important because flood risk varies widely by location, and standard homeowners policies exclude it to encourage property owners to assess and mitigate their risks appropriately.

In contrast, personal liability coverage, loss of personal property, and emergency services coverage are standard features of homeowners insurance. Personal liability protects the homeowner from legal claims resulting from injuries or damages to others, loss of personal property covers items stolen or damaged within the home, and emergency services coverage may assist with immediate repairs or services needed to prevent further damage after a covered loss. Thus, while homeowners insurance provides a broad range of protections, flooding is a specific risk that is generally excluded from its coverage.