Florida Insurance Licensing Practice Exam

Homeowners policies usually insure property for fire, lightning, and theft because these are common risks and potential causes of damage to the insured property. Option A, rising water, is typically covered by separate flood insurance. Option B includes issues that are not usually covered by homeowners policies, such as inherent vice, underground seepage (which may fall under flood insurance), and governmental action. Option C includes types of damage that may be considered normal wear and tear or maintenance issues and are not typically covered by homeowners policies. Therefore, the best answer is D.