What does a flood insurance policy cover?

A flood insurance policy specifically covers damage caused by water overflow from rivers, lakes, or excessive rainfall that leads to flooding. This type of insurance is designed to protect property owners against the financial losses that can result from such flooding events, which are often not covered by standard homeowners' insurance policies. Flood damage can include harm to the structure of the home and loss of personal belongings due to the inundation of water, making this coverage critical for individuals living in flood-prone areas.

Other options involve different types of water damage, which are generally covered under other types of insurance. For example, damage from accidental leaks in plumbing is typically addressed through a homeowners insurance policy, while water damage due to hail or wind-driven rain could fall under different provisions. General water damage that is unrelated to flooding also does not meet the specific criteria for flood insurance. The focus of flood policies is distinctly on flooding caused by natural water overflow, which is why option A is the accurate representation of what a flood insurance policy covers.