Building property coverage and contents coverage are the two main forms of coverage the NFIP private flood insurance provides. Building property coverage covers your home’s physical structure—that of the foundation, walls, roof, and plumbing among other elements. It also addresses permanently placed in your house appliances, HVAC systems, and electrical systems.
Conversely, contents coverage addresses your personal items—including furniture, clothes, gadgets, and other valuables—that live within your house. Content coverage is usually limited, though, and valuable objects like art or jewelry can necessitate for extra policies or riders.
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