No, you are not protected from a flood with your basic homeowners insurance. Most companies that sell homeowners insurance will probably sell flood insurance as well, but it will be it's own purchase.
If you live in a flood zone then you must have flood insurance. It is not covered by normal homeowners insurance. It is basically a federal program.
Engine, not motor, and that depends on your insurance policy. If you don't have flood insurance specifically, flood damage is typically not covered.
FlOOD
yes
How many structures can be on one flood policy?
Yes. I have household insurance and it covered us when we had a fire followed by a flood all on the same day. It was terrible i was lucky we had insurance.
Flood insurance is extremely valuable and should be added to your list of protections. Available through the government, it can be added to most homeowner's policies. If you live in a flood plain, this insurance is necessary and will probably be required by your lender. It is important to note that flood insurance does not cover floods that originate from inside the home. A burst pipe will not be covered under flood insurance, for example. in order for the damage to be covered, there must be widespread flooding conditions in your area. However, if you live in an area that is prone to high levels of rain, flood insurance can give you invaluable peace of mind.
The biggest concern is if you have flood insurance and if so will everything be covered. You want to check your policy if you experience a home flood.
Depending on the terms of your home contents insurance, your guests belongings should be covered. It all depends if you have Flood insurance which a lot of times is a separate insurance entirely.
It means stand alone "Flood Only". It covers the specified damage limits for a flood loss, no other loss type is covered under a flood policy.
Flood damage is covered by "Flood Insurance" not by home insurance. Flood coverage is obtained on a separate flood insurance policy in the USA. Heavy roots from a presumably over grown tree or a tree that is located too close to the house is an owners landscape maintenance and upkeep issue.
Flood insurance has become a major issue over the past couple of years due to the extremism of the British weather. Many insurance companies such of Hiscox now cover homes for flooding.