Tennessee Real Estate Exam Practice Question
Which of the following is NOT typically covered by a standard homeowner's insurance policy?
Correct Answer: A
Rationale: Homeowner's insurance generally excludes certain types of damage. Flooding is typically not covered, requiring separate flood insurance for protection. Losses from poor construction (B) are often included as they relate to the home’s integrity. Damage from hail, wind, or storms (C) is usually covered under standard policies as these are common risks. Failure of a major mechanical system or appliance (D) is also not covered, but may be addressed through home warranty plans instead. Thus, flooding stands out as the primary exclusion in standard policies.
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