Which of the following is NOT an item covered under the personal property flood insurance?

The correct choice indicates that vehicles are not covered under a personal property flood insurance policy. Flood insurance primarily focuses on covering personal property within the insured structure, such as clothing, furniture, and appliances like washing machines.

Vehicles, on the other hand, are typically insured under an auto or vehicle insurance policy rather than personal property flood insurance. Standard flood insurance policies provided under the National Flood Insurance Program (NFIP) explicitly exclude coverage for vehicles, as they are classified differently from personal property items that are typically found within a home. This distinction highlights the specific purpose of flood insurance in protecting residential structures and their contents against flood damages, rather than covering vehicles that may be parked outside or in garages.