What do flood insurance policies in Florida typically cover?

Flood insurance policies in Florida are specifically designed to cover damage caused by flooding, which is defined as the overflow of water onto normally dry land. This coverage is essential for property owners in flood-prone areas, as standard homeowners insurance typically does not cover flood-related damages. Flood insurance protects against losses to structures and the contents within due to rising water, making it a crucial component of risk management for homeowners in regions susceptible to flooding.

The clarity in the definition of flood damage underlines the importance of this type of insurance. It ensures that homeowners are financially supported in the event of a disaster caused by excess water that is outside of their control. Other options, such as theft or damages from broken pipes, fall outside the scope of flood insurance and are generally covered by different insurance policies, like homeowners or renters insurance. Additionally, earthquake damages are unrelated to flood insurance coverage, as they pertain to different types of natural disasters. Therefore, the focus of flood insurance policies is solely on protection against water overflow scenarios, reinforcing option B as the correct choice.