What Does Home Insurance Cover In A Flood? 
NOTHING ! So good question . Flood is outside ground water entering your home through windows and doors , NOT seepage thru cracks or failure of the sump pump . Flood damage is covered only with a flood insurance policy and coverage for flood damage to any area of the home is very limited . Seepage is not going to be covered at all . And coverage for water damage due to sump pump failure is not typically an automatic coverage on homeowners insurance but usually an available option . Talk to you insurance professional , he/she can help . 