What items are included under personal property in flood insurance?

Personal property in flood insurance primarily includes items that are movable and are used for personal, family, or household purposes. This definition encapsulates clothing, furniture, and similar personal belongings that an individual might possess in their home. When flood damage occurs, policies are designed to cover losses to such movable items.

Clothing is a fundamental part of personal property, as it is essential for individuals' daily lives. Furniture, likewise, is typically included since it fills living spaces and is integral to a household's functionality. The focus is on items that are not permanently affixed to the structure, allowing individuals to recover their basic living needs after a flood event.

Items such as money and vehicles do not fall under typical personal property coverage of standard flood insurance policies. Jewelry and art may sometimes have limited coverage under personal possessions but are generally subject to specific sub-limits or exclusions. Underground structures, on the other hand, are not included in personal property definitions, as they pertain more to the physical structure of the property rather than movable personal items. Understanding these classifications helps in recognizing what can be claimed under a flood insurance policy.