Which item is covered under the building structure flood insurance policy?

Under a building structure flood insurance policy, coverage typically extends to items that are considered part of the permanent structure of the building itself. Built-in appliances are included in this category because they are affixed to the property and not designed to be easily removed. These appliances often include items such as dishwashers, water heaters, and permanently installed air conditioning units; they are part of the building's infrastructure and contribute to the structure's overall function and value.

In contrast, items like carpeting that is not attached, portable appliances such as microwaves, and furniture are generally categorized as contents and are not covered under a building structure policy. These items can be moved easily and do not qualify as integral components of the building, which is why they fall under separate coverage or content insurance rather than the structural policy.