Under the Homeowners Basic Form, which peril is not covered?

The Homeowners Basic Form, commonly referred to as HO-1, provides coverage for a limited number of perils. This policy covers specific risks identified in the form, primarily focusing on more common incidents. Flood is not included as one of the covered perils in this basic home insurance policy. Flood insurance is normally obtained through a separate policy specifically designed to handle water damage from flooding events, as it is a significant risk not typically addressed in standard homeowners insurance.

In contrast, the other perils listed—riots and civil commotion, smoke, and vandalism—are included in the coverage provided by the Homeowners Basic Form. These perils are recognized as common threats to property and thus are reflected in the policy to offer protection to homeowners against these risks. Understanding the limitations of coverage types is crucial for homeowners to ensure they have adequate protection and can bridge any gaps with additional policies when necessary, such as flood insurance.