Which of the following is NOT typically covered by a standard HO-3 policy?

A standard HO-3 policy, which is a widely used homeowners insurance policy, typically covers a range of perils and liabilities associated with homeownership. Personal liability, medical payments to others, and theft of personal belongings are commonly included in the coverage provided by an HO-3 policy.

However, flood damage is specifically excluded from standard HO-3 policies. Flood insurance is a unique type of insurance that must be purchased separately, often through the National Flood Insurance Program (NFIP) or private insurers, as it is considered a distinct peril not generally covered in standard homeowners insurance. This means that if a homeowner experiences flooding due to heavy rain, storm surges, or other water events, they would not be able to claim damage under their HO-3 policy, highlighting the need for separate flood insurance coverage.