Hello how may I help you? I need to know something about my policy Absolutely! Policy name and number please Homeowners 573950932 Got it pulled up. What I can answer for you today? Does my policy cover water damage? Unfortunately no, it is not covered by water damage What do I pay so much per month for then? For your location you would need to have flood insurance due to the hurricanes Oh great. Good to know. Your home is expensive to replace if it were damaged by other acts of nature, such as tornadoes.