which semi-common emergency event is not covered by this insurance policy?

The semi-common emergency event not covered by this insurance policy is a flood.

Quick Scoop

Many standard renter’s and homeowner’s insurance policies cover:

• Fire damage.

• Explosions.

• Riots and looting, depending on the policy wording.

However, they usually exclude flood damage, which often requires a separate, specialized flood insurance policy.

In short: among the listed “semi-common” emergencies (fire, riots and looting, explosions, flood), flood is the one that is not covered by this policy.

TL;DR: The answer to “which semi-common emergency event is not covered by this insurance policy?” is flood.

Information gathered from public forums or data available on the internet and portrayed here.