Floods could occur anytime, anywhere and not everyone knows their standard homeowners policies don’t cover water damage caused by flooding. Unlike a standard homeowners policy, flood insurance covers losses to your property caused by flooding. Some of the things a standard flood policy will cover include:
Furnace, water heater, and air conditioner
Debris clean up
Floor surfaces, such as carpeting and tile
Personal items; furniture, collectibles, clothing, jewelry.
Flood insurance policies are broken into 3 forms: Homes, Apartments & Business Buildings, and Condos.