What is "flood insurance" typically excluded from?

Flood insurance is typically excluded from standard life insurance policies because life insurance is designed to provide financial support to beneficiaries upon the death of the insured, rather than to cover property damage or losses. Standard life insurance policies focus on risk related to the life of an individual and do not address damages caused by natural disasters or environmental factors, such as floods.

In contrast, homeowner's insurance policies might cover certain types of water damage, although they often exclude specific flood damage unless separate flood insurance is purchased. Similarly, automobile insurance policies generally do not cover flood damage unless the policy specifically includes such coverage. Liability insurance policies, which protect against claims resulting from injuries and damage to other people or their property, are also not relevant to the coverage of flood damage. Thus, the primary context in which flood coverage is relevant does not intersect with the purpose of standard life insurance policies.