Hawaii Insurance License Practice Exam

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Question: 1 / 400

In homeowners insurance, which coverage is usually not part of a standard package?

Dwelling coverage

Loss of use

Flood coverage

In homeowners insurance, flood coverage is typically not included as part of a standard package. Homeowners insurance policies generally cover damages from various perils such as fire, theft, and certain types of water damage (like burst pipes). However, flood damage caused by natural water sources, such as heavy rains or rising rivers, is usually excluded from these policies.

Because of this exclusion, homeowners in flood-prone areas need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or other private insurers to protect against flood-related damages. This distinction is crucial for homeowners to understand, as it helps them assess their insurance needs based on their geographic risk and ensures comprehensive coverage for their property.

Hawaii Insurance License Practice Exam

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