Flood insurance can pay to repair or replace: electrical, heating, cooling, and plumbing systems; appliances, including refrigerators, stoves, washers, and dryers; carpeting and window treatments; built-in bookcases, cabinets, and paneling; foundation, walls, anchorage systems, and staircases attached to the structure; a detached garage; personal property; valuables, like artwork and furs, up to $2,500 in value.