Mississippi Property & Casualty Practice Exam 2026 – Comprehensive Prep Guide

The coverage provided by a flood insurance policy specifically addresses loss of personal property due to flooding. Flood insurance is designed to protect homeowners and renters from financial losses caused by rising water levels or overflow from rivers, lakes, and other bodies of water. This type of insurance will typically cover items such as furniture, electronics, and other personal belongings when they are damaged or destroyed due to a flood.

In contrast, damage caused by fire, wear and tear on a property, and injury-related damages fall outside the scope of flood insurance coverage. Fire damage would generally be covered under a standard homeowners or property insurance policy rather than flood coverage. Wear and tear is considered a maintenance issue and is not typically covered by any insurance. Injury-related damages can involve liability coverage, which is also not part of a flood policy. Thus, the focus on personal property loss from flooding clearly identifies why this choice is the correct answer.