Hello how may I help you? I want to know my insurance policy. Sure, I can help with that policy. does my insurance covers water damage? According to my records, your policy does not cover water damage. then what does my insurance covers? Fire, theft, and earthquakes. how can I water damage cover to my insurance? add water damage Please log on to the website and you can make policy adjustments there. Most likely your premium cost will change as well. ok thanks for your help. You're welcome.