Which of the following is NOT typically covered by a Dwelling Policy?

A Dwelling Policy is primarily designed to provide coverage for properties that are not owner-occupied, and it includes several types of perils. Fire is a common peril covered by most dwelling policies, ensuring that if a fire damages the property, there is financial protection for repairs or losses. Vandalism is also typically included, protecting the policyholder from damages caused by intentional acts of destruction. Theft is generally covered as well, providing security against losses from burglary.

Flood events, however, are not typically included under a standard Dwelling Policy. Flood coverage requires a specific type of insurance, which is usually provided through the National Flood Insurance Program or a separate flood insurance policy. This is due to the unique nature of flood risk and how it can vary significantly based on location, leading to the necessity for separate coverage tailored specifically for flood-related damage.