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does flood insurance cover basementFlood insurance does not cover basement improvements or items not necessary to make the home safe sanitary and functional such as carpeting finished walls paint floors ceilings furniture or personal belongings that may be kept in the basement Necessary items are included under building coverage and some under contents coverage flood insurance basement details Flood Insurance Coverage for Flood insurance does not cover basement improvements such as finished walls floors ceilings or personal belongings that may be kept in a basement For a complete list of what s covered view the Standard Flood Insurance Policy SFIP Forms questions flooded basementQuick take Is damage from a flooded basement covered by home insurance Coverage depends on what caused the water damage it s important to know the gaps Claims due to flooding in natural disasters require separately purchased flood insurance

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