This type of insurance is not included in a standard Homeowners policy and is purchased separately. Flood insurance covers building and contents by damage from water during storms or other natural flood disasters. Flood insurance may provide coverage from events such as, a sewer line backing into a house. Taking preventative action for example, sandbagging can be reimbursed by ones flood insurance provider.
Flood insurance is a particularly important coverage to have for the most expensive costs such as building restoration and repair, appliances and flood insurance may also reimburse costs for restoration or replacement of carpeting, furniture, and personal property.