The buyers' hazard insurance standard coverage includes which of the following?

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Multiple Choice

The buyers' hazard insurance standard coverage includes which of the following?

Hazard coverage in a typical buyers’ homeowners policy protects the dwelling against common, listed perils but does not include high‑risk events like flood or earthquake by default. The standard policy may cover things such as fire, lightning, windstorm, hail, theft, and vandalism, but flood damage and earthquake damage are generally excluded and require separate protection. Flood insurance is obtained through a flood policy (often NFIP or private carriers), and earthquake coverage is added via an endorsement or a separate policy. Because these two perils aren’t part of the standard hazard policy, neither earthquake nor flood is included unless you purchase additional coverage.

Hazard coverage in a typical buyers’ homeowners policy protects the dwelling against common, listed perils but does not include high‑risk events like flood or earthquake by default. The standard policy may cover things such as fire, lightning, windstorm, hail, theft, and vandalism, but flood damage and earthquake damage are generally excluded and require separate protection. Flood insurance is obtained through a flood policy (often NFIP or private carriers), and earthquake coverage is added via an endorsement or a separate policy. Because these two perils aren’t part of the standard hazard policy, neither earthquake nor flood is included unless you purchase additional coverage.

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