but most policies require separate insurance to cover flood and
earthquake damages.
It is important to assess the location of your property to
determine if additional insurance is needed, such as flood or
mine subsidence. A typical flood policy is broken down into two
coverages including building property and personal contents.
Building property covers your house, its foundation, plumbing and
electrical, central air and heating, attached bookcases, cabinets,
paneling and a detached garage. Personal contents coverage applies
to clothing, furniture, electronics, curtains, some appliances, freezers
and the foods within them, and certain valuables. Coverage varies by
policy and additional options can be added depending on where you
deem necessary. Flood coverage generally does not cover moisture
or mold/mildew that was due to lack of timely remediation, cash,
precious metals, or outdoor living space such as decks, fences,
patios, landscaping, wells/septic tanks, or pools. Limited coverage is
also offered for underground rooms such as basements.
In western Pennsylvania, mine subsidence is an additional
insurance policy homeowners can choose to purchase. If your home
sits on top of an abandoned coal or clay mine, you ar