Which of the following is considered an exclusion in an insurance policy?

Flood damage is often considered an exclusion in many standard property insurance policies, such as homeowners or business insurance. These types of policies typically do not cover flood damage because floods are often unpredictable and can cause significant financial losses. As a result, insurers may exclude flood coverage and require policyholders to purchase a separate flood insurance policy to be covered for such risks.

In contrast, auto theft, fire damage, and vandalism are usually covered under most standard property or auto insurance policies, making them less likely to be classified as exclusions. This is important for policyholders to understand, as they must evaluate their coverage options based on their specific needs and the risks they face, especially in areas prone to flooding.