Unlike a standard homeowners policy, flood insurance covers losses to your property caused by flooding. The only time a flooded house is covered under an insurance policy is if flood insurance is purchased. Some of the things a standard flood policy will cover include:

• structural damage
• furnace, water heater and air conditioner
• flood debris clean up
• floor surfaces such as carpeting and tile

You can also buy a flood insurance policy to cover the contents of your home, such as furniture, collectibles, clothing, jewelry and artwork. Please note: A homeowner’s policy will not cover flood losses. You must purchase separate insurance to cover any flood damage.