Flood Insurance Includes:
This includes the actual structure, as well as electrical, HVAC, plumbing, appliances and built-in furniture.
This covers the cash value of other items damaged during flooding, such as electronics, supplies and décor.
What Isn’t Covered
As with any other type of insurance, it's important to know what your policy does and doesn't cover. For example, damage caused by a sewer backup is only covered by flood insurance if it's a direct result of flooding. The damage is not covered if the backup is caused by some other problem.