Which of the following items is covered as building property under flood insurance?

The correct answer is that a fridge is covered as building property under flood insurance. Flood insurance policies, particularly those regulated by the National Flood Insurance Program (NFIP), define building property as the structure itself and any fixtures that are permanently affixed to it. This includes appliances that are built into the home or installed based on necessity for the structure. A fridge, when considered as part of the building, fits into this category, especially if it is a built-in model or is of a type that is integral to the functioning of the dwelling.

In contrast, self-propelled vehicles are typically excluded, as flood insurance is meant primarily for residential structures and not for vehicles that can be driven. Money, being a personal item, does not qualify as building property as it’s not attached to the building and is considered personal property instead. Similarly, while trees may contribute to the overall landscaping of a property, they do not fall under the definition of building property in a flood insurance context, as they are not part of the actual structure of the building. Thus, the fridge stands out as the one item designated for coverage under flood insurance in terms of building property.