Which of the following is most likely NOT covered by homeowners insurance?

Homeowners insurance typically provides coverage for a variety of risks associated with property damage and personal liability. However, certain natural disasters, such as flooding, are commonly excluded from standard homeowners insurance policies. Policies often include specific provisions for fire damage to personal property, theft of personal belongings, and personal liability claims resulting from accidents.

Flooding, particularly due to heavy rainfall, is generally considered a separate type of risk that requires specialized coverage, typically obtained through a flood insurance policy. This is important for homeowners, especially in areas prone to flooding, as relying solely on a standard homeowners policy may leave them vulnerable to significant financial loss in the event of flood damage. Therefore, the assertion that flooding due to heavy rainfall is likely not covered by homeowners insurance aligns with common industry practices.