Hello how may I help you? Hi does my policy cover water damage? Thanks for contacting Insurance chat. No, your policy does not cover water damage. how much would it be to add it? It would cost you $500 to add it to your coverage ok go ahead and do that Alright I have added water damage coverage to your plan. Coverage begins the moment you sign up. yes that sounds good Great! Can I help you with anything else today? no thanks thats all Thanks for being a valued Insurance Chat customer, enjoy your day!