• Damage to your home's structure and foundation 
  
• Your electrical and plumbing systems 
  
• Major appliances including stoves, refrigerators and dishwashers 
  
• Your HVAC system including central air, furnaces and water heaters 
  
• Any permanently installed carpeting, paneling, wallboard, bookcases or cabinets 
  
• Blinds for your windows 
  
• Detached garages are covered for up to 10 percent of your building property coverage 
  
• The cost of debris removal 

Coverage for Your Personal Property 
You are covered for most of the contents that are inside your home. The list includes non-attached appliances such as washing machines, dryers and microwave ovens. It includes room air conditioners, carpets that can be moved and curtains. Other personal possessions like clothing, electronics and furniture are eligible. You may also receive coverage of high-value items such as art and furs, subject to a $2,500 limit. However, you can add to the coverage of valuables by purchasing a policy endorsement. 

Some Things are Not Covered 
Cash, gold coins, property outside of an insured structure, temporary housing and cars are generally not covered by flood insurance. Basements and other areas below the elevation of the lowest floor are usually not covered.  

Talk to your agent about your specific flood insurance coverage needs. He or she can answer all of your questions and help you choose the right amount of coverage and the most appropriate deductible for your personal needs.