The correct answer is "d. floods" because typically, floods are not covered by a standard homeowner's insurance policy.
1. Flood insurance is a separate policy that homeowners need to purchase if they want coverage for damages caused by flooding.
2. Floods are considered a high-risk natural disaster that requires specialized insurance due to the widespread and costly damage they can cause to a property.
3. It's important for homeowners, especially those living in flood-prone areas, to consider purchasing flood insurance to protect their property and belongings in case of a flood event.
In summary, while homeowner's insurance policies generally cover damages from events like fires, tornadoes, and hail storms, they do not typically include coverage for floods. It's essential for homeowners to understand their insurance coverage options and consider additional policies if needed to protect against all potential risks.
