Washington State Insurance Practice Exam 2025 – 400 Free Practice Questions to Pass the Exam

Question: 1 / 400

Which insurance typically does not cover flood damage?

Homeowners insurance

Homeowners insurance generally does not offer coverage for flood damage. This is an important distinction in the scope of typical homeowners policies, which typically cover a range of perils including fire, theft, and liability, but exclude specific types of damage such as flooding. Flood coverage usually requires a separate policy, most often through the National Flood Insurance Program (NFIP) or private flood insurance providers.

The other types of insurance mentioned, like auto insurance, health insurance, and malpractice insurance, are designed for different risks and do not typically consider flood damage within their underwriting. Auto insurance may cover damage to vehicles from flood-related incidents, while health insurance addresses medical expenses, and malpractice insurance covers legal liability for medical professionals, none of which relate to property damage from floods.

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Auto insurance

Health insurance

Malpractice insurance

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