Question

A homeowners policy cover which of the following losses?

A. Theft in a dwelling under construction.

B. Vandalism within 30 days of vacancy.

C. Loss caused by birds and domestic animals.

D. Damage by a flood.

Answer 1

A homeowners policy would typically cover:

A. Theft in a dwelling under construction.

B. Vandalism within 30 days of vacancy.

C. Loss caused by birds and domestic animals.

It would typically NOT cover:

D. Damage by a flood.

Flood damage is specifically excluded in most standard homeowners policies. Homeowners would need to purchase a separate flood insurance policy through the National Flood Insurance Program to be covered for flood losses.

So the answer is:

A. Theft in a dwelling under construction.

B. Vandalism within 30 days of vacancy.

C. Loss caused by birds and domestic animals.