> Legally, we do assign fault for negligence. If absentmindedly leave your kitchen tap open with the drain stopped and then go on vacation, your flood insurance

> Legally, we do assign fault for negligence. If absentmindedly leave your kitchen tap open with the drain stopped and then go on vacation, your flood insurance is probably not going to pay for repairs, even if you didn't deserve to have your house destroyed. This is not generally true. Insurers are forbidden to pay out claims for intentional bad acts, or fraud, but ordinary negligence is usually covered: > The good thing is your homeowner's policy usually covers you and your family's negligent behavior no matter where it happens. https://www.nolo.com/legal-encyclopedia/does-my-homeowners-insurance-cover-accidents-that-occur-off-my-property.html https://www.nolo.com/legal-encyclopedia/does-my-homeowners-i...