Personal Lines & Homeowners

Which of the following is typically EXCLUDED from a homeowners policy and requires separate coverage?

Answer

Flood damage

TDI: 'Most home policies don't cover damage caused by floods,' and directs consumers to a separate flood policy from an insurer or the National Flood Insurance Program.

Source: TDI, Home insurance guide (cb025)

Not the answer

  • Wind damage to the roof
  • Kitchen fire
  • Theft of a television

Practice this

The Texas All-Lines Adjuster exam is 150 questions with a scaled passing score of 70, which is neither the number nor the percentage correct. This test uses 70% as a yardstick. The app’s page carries a free ten-question test drawn from the same bank, marked as you go.

Take the free practice test