Homeowners Insurance & Natural Disasters

Do not assume. Read the home owner's insurance policy.
They all are diff, and limit liability. You have 1 million in guns and ammo? Ya wife have a solid gold chain she wears that could pull yiur new Demon game behind your truck and has the a ring that makes the Hope diamond look small?
Your policy my just cap the liability at 5K unless you add more coverage.
I know you o my asked about Homeowner's it can have coverage that covers total replacement cost or depreciated. Read what yours,says. Flood does not. The flood will deprecate