Which of the following is typically NOT included in homeowners' insurance coverage?

Homeowners' insurance is designed to provide a variety of coverages that protect a homeowner's investment and personal belongings, but it typically does not include coverage for flood damage. Flood insurance is usually a separate policy offered through the National Flood Insurance Program (NFIP) or private insurers, as standard homeowners' policies are not designed to cover losses resulting from flooding. Homeowners generally need to purchase additional flood insurance if they want coverage for damages caused by rising water. This distinction is important for homeowners to understand, ensuring they adequately protect themselves against specific perils that may not be addressed in their primary insurance policy.

On the other hand, personal property, liability coverage, and dwelling protection are integral components of homeowners' insurance. Personal property covers belongings within the home, liability coverage protects against legal claims due to injuries or damages for which the homeowner may be responsible, and dwelling protection covers the physical structure of the home itself.