Which type of policy would typically cover flood damage?

A flood insurance policy is specifically designed to cover damages resulting from flooding events. This policy can provide financial protection for both homeowners and renters against the loss of property caused by water inundation, which is not typically covered under standard homeowner's policies.

Flood insurance policies are administered through the National Flood Insurance Program (NFIP) and help policyholders recover from losses that occur due to rising water, such as heavy rainfall, storm surges, or melting snow. Since flooding is often considered a separate risk not covered under most traditional insurance policies, having a specific flood insurance policy is essential for anyone living in areas prone to flooding or in flood zones.

In contrast, a standard homeowner's policy usually includes coverage for many types of damage, but not from flood-related incidents, which is why relying solely on it may leave homeowners vulnerable to significant losses from floods. Other types of insurance mentioned, such as personal auto insurance and general liability insurance, serve entirely different purposes and would not provide coverage for flood-related damages to property.